We are a technology provider with a unique digital payments platform, providing Last Mile solutions to the underserved and unbanked.

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We provide biometric digital identity to guarantee proof of life and enable low cost last mile delivery of basic financial services.

Paycode Ghana’s biometric digital identity and payments technology works seamlessly everywhere in the world. We simplify payments in deep rural areas giving people the ability to transact offline in real time.

As specialists in last mile delivery and proof of life we believe we can significantly impact financial inclusion in Africa by giving biometric digital identity and low cost access to basic financial services to the underbanked and underserved.

Our technology supports multiple data types including biometrics, KYC (Know-Your-Customer) data, location data, health data and more. Any financial institution, central bank, government or company can utilise our technology to enhance their own systems, or add innovative solutions to existing products and services.

One Platform. Multiple Solutions

We solve 3 Main Financial Inclusion Challenges

IDENTITY
COST
CONNECTIVITY

Challenge: 1.0 Billion No Identity

Around the world, approximately 1 billion people lack any form of official identification, making it difficult for them to access essential services. This issue disproportionately affects marginalized communities, further deepening social and economic inequalities.

Paycode Answer

Paycode’s unique payment solution means that cardholder funds are stored on the card rather than at the bank, enabling full offline transaction functionality. The transaction takes place between the card and the POS so both can continue to be used during periods of network outage. The POS requires sporadic connection with Paycode to credit the pysical bank account of the merchant. Cards can be credited while offline allowing the cardholder uninterupted use.

Challenge: 1.7 Billion Unbanked Adults Worldwide

Globally, 1.7B adults don’t have a bank account. Socio-economic factors such as education and wealth inequality
are gating factors to access traditional institutions. Bank fees and charges are prohibitive for many people.

Paycode Answer

Paycode provides a low cost digital bank account with all necessary functionality for day-to-day transactions. On average, our solution costs 87% less than a traditional bank account, and Paycode card-holders avoid the monthly cost of traditional bank accounts. We have a fully customisable fee structure, and our digital ledger ensures that if a card is lost, it can be replaced with funds fully intact.

Challenge: 3.7 Billion No Internet

In 2020, 49% of the world’s population or 3.7 billion people had no access to the internet. Poor infrastructure outside urban areas prevents widespread adoption of card schemes and mobile wallets. Inability to transact due to poor/unreliable network coverage hampers trust in technology and people revert to cash.

Paycode Answer

Paycode’s unique payment solution means that cardholder funds are stored on the card rather than at the bank, enabling full offline transaction functionality. The transaction takes place between the card and the POS so both can continue to be used during periods of network outage. The POS requires sporadic connection with Paycode to credit the pysical bank account of the merchant. Cards can be credited while offline allowing the cardholder uninterupted use.

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Digital Transactions

Solving these 3 key issues brings a range of digital services to card holders in remote & rural areas.

Using secure biometric smart cards or mobile interfaces, we’ve made world-class digital financial services infrastructure that works offline in real-time. We enable seamless interoperability between ecosystem players which gives people easy access to cash, mobile money, remittances, insurance, microloans, airtime, electricity and pensions and social grants.

For detailed technical information, specifications and more, please download our solution guide by clicking on the links below.

DOWNLOAD SOLUTIONS GUIDE

case studies

The Bank of Ghana selected Paycode's EDAPT technology to provide a turnkey solution for a National Payment Switching & Settlement System for Ghana.

View Case Study: Paycode Ghana

An Award-Winning Fintech Company

Our innovative technology has been recognised by the world's leading industry players including Citi, IBM, Mastercard, Microsoft, PWC, the International Monetary Fund, Gemalto, Thales, KPMG, the South African Reserve Bank, Mondato, Pay360, Ecobank, the Digital Banker and Women's World Banking