Your wallet and payments, with Sao agents across the country. Download the app to get started.
Sao Payment Ltd is licensed by the Bank of Ghana as a Dedicated Electronic Money Issuer under the Payment Systems and Services Act, 2019 (Act 987).
Products in Ghana
Available in Ghana
Three products in one Sao account, all in cedis. Licensed by the Bank of Ghana and available on every mobile network.
Live in GhanaSao Wallet
Keep cedis, send to any phone number and pay bills. Use the Sao app.
Live in GhanaSao Pay
Take mobile money, cards and QR payments in your shop or online. Settled to your account the same day, in cedis.
Live in GhanaSao POS
A counter terminal that takes cards, wallets and cash, and settles to your bank account daily.
All three products are live in Ghana today.
How to open your account
Local support
Email support.gh@saopayglobal.com or visit a Sao agent.
How to complain
Contact us first at complaints.gh@saopayglobal.com or through any Sao agent. We respond within 2 business days and aim to resolve your complaint within 15. If you are not satisfied, you may contact the Bank of Ghana Consumer Protection Office. Read the full process.
Legal entity
Sao Payment Ltd · Registered in Ghana, no. CS058680325 · TIN C006529629X · Registered office: HP Nyametei Street, Osu, Accra · Digital address GA-032-1300.
Accra office
Sao Payment Ltd, HP Nyametei Street, Osu, Accra. Digital address GA-032-1300.
Get directionsThe agent list for Ghana is being added. Until then, the Accra office can help you open an account, deposit and withdraw.Contact the Ghana team