A QR code for your counter.
Send a payment link on WhatsApp.
Checkout for your website or app.
Take mobile money, cards and QR payments in your shop or online by QR code, payment link or API. Your money reaches your account the same day.
Licensed by the Bank of Ghana · Same-day settlement
What you can do
Print your Sao QR and customers pay from any wallet. You see every payment in the app and get one settlement to your bank each day.
Create a link for any amount and share it on WhatsApp or SMS. Customers pay with a wallet or card and you both get a receipt.
Add Sao Pay to your site with plugins for the common platforms, or use the API. Cards and mobile money in one checkout.
Start with a printed QR code today and add a payment link or online checkout when you are ready.
Who it is for
Sole traders, market sellers, restaurants, pharmacies and online shops use Sao Pay. If you have a business registration or a guarantor, you can open a merchant account.
How to get it
Apply in the app or with a Sao agent. We verify your business in 2 business days.
Download and print your QR, or order a counter stand.
Customers pay, you see it instantly, and settlement lands the same day.
You see each payment instantly in the app, and settlement reaches your bank account the same day.
You do not need any hardware to start. Print your Sao QR code and customers pay from their own wallet. The Sao app shows you every payment as it arrives.
Yes. Customers can pay by card through a payment link or your online checkout. For card payments at the counter, see Sao POS.
You start a refund from the Sao Pay app and the money goes back the way the customer paid.
No hardware to start. Same-day settlement.
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