Benefits of our system:

• A comprehensive platform & wide range of products and services to choose from.
• Pan Ghana mobile top up service available on “e-life” Ghanas’ terminals, not limited to a single operator. A user from Zain to a user of Glow may get a recharge for his operator across Ghana.
• You get money transfer done by your mobile
• You get an e-top up done for the operators from anywhere in Ghana, provided you have either access to your bank account or you know a retailer in your vicinity and still may recharge your mobile by paying in cash, if you don’t have a bank account to access.
• Provide customized receipts with retailer name for VAS and other services which requires receipts.
• Create reports for end-of-shift, end-of-day etc. to suit retailer accounting system to ease administration of employees.
• Offer advanced reporting tools for retailers through web-interface.
• Offer a demo mode for training purposes.
• Complete automatic updates of templates, products and services.
• Provide retailer credit control through existing billing infrastructure available with the distributor/operator.
• Two level security with supervisor and teller sign-in passwords.
• Fast transaction times.
• Robust inbuilt thermal printer only on the terminal.
• Credit and debit card processing is provided as an option (subject to approval by banking acquirer).
• Can be made Wireless Local Loop (WLL) enabled (eliminating the requirement of a telephone line).
• Perform both PIN based as well as PIN-less transactions.

Banks

Reduce costs- quicker and cheaper to rollout than ATM or new branches
Create new revenue sources
Grow customer base
Increase customer loyalty
Develop new low cost channels with minimal investment
Reduce queues in banks and at ATM
Inform customers through account and bank notifications; which again saves time and resources as compared to physical statement or statement through ATM Place the banks’ brand on its customers’ primary communication devices.

Telecom operators

Reduce cost of distribution and logistics- printing of vouchers and managing the inventories and logistics for physical vouchers is a hassle and costs around 10-15 percent of total distribution cost (including printing, logistics, redistribution, pilferage, theft, and man - power for managing this). Expand the distribution across sectors or non-conventional channels where the brand is not present Add revenue generating system by making the product available, thus opening avenues for acquiring new customers Increase customer satisfaction by making the product accessible more conveniently

Other service providers

Make your product available to as many merchants or customers at locations you restrict yourself reaching directly. Provide channels which are new and gives your brand a visibility and presence, ahead of your competitors, thus helping you converting the foot-falls in a business opportunity.

Merchants/Distributors

Increase revenue- provide additional products through a single platform thus helping in more sales without holding any physical inventories Quickly expand the distribution network
Grow customer base by additional foot-falls which are generated by products like Top-up or other utility services Increase customer satisfaction by having one-stop-shop experience to the customer.

Benefits to the Consumers:

Epay is easy to use. Simple steps to follow and use the services. Epay is safe and secure. Your money and personal details are protected. 24/7 access to your money and all other services on our platform

virtually anywhere across Ghana.

Opportunity to send money to family and friends without the hassle of going to bank and standing in the queues for hours. Ideal for all individuals, specially in the areas where limited or no banking infrastructure is available. Open a bank account and do every thing related to payment, mobile top up and other bookings through your own mobile handset. No extra charge for services.