Own it today. Pay later.
Buy what you need now with a down payment and pay the rest in interest-free monthly instalments. Shop on the Tabital app, on a partner merchant’s website, or at their till.
Example: GHS 4,000 phone on Pay in 4
40% down payment, no delivery fee
| Payment 1 · today (down payment) | GHS 1,600.00 |
| Payment 2 · month 1 | GHS 800.00 |
| Payment 3 · month 2 | GHS 800.00 |
| Payment 4 · month 3 | GHS 800.00 |
| Total you pay | GHS 4,000.00 |
0% interest. Late fees apply only if a payment is late.
Pay in 2, 3 or 4
Your first payment is the down payment, at checkout. The rest is split into equal monthly payments.
0% interest
No interest or service fee on standard plans. Late fees apply only if you pay late.
Card or Mobile Money
Pay in the Tabital app, with reminders by SMS and in the app before every due date.
Tabital Pay is Ghana’s digital Buy Now, Pay Later platform for salaried workers. Choose a product from a partner merchant, verify your identity with your Ghana Card and a selfie, and get a quick decision on a payment plan: pay in full, or in 2, 3 or 4 payments. You pay the first part at checkout with MoMo or card through Paystack. The rest is split into interest-free monthly instalments. Before you confirm, you see every payment date and your total. Merchants are paid in full for each sale, minus a fixed fee, and carry no credit risk.
How it works
01
Sign up and verify
Create your account, then verify your identity with your Ghana Card and a selfie.
02
Choose a product
Shop in the Tabital Pay app or on the web, choose Tabital Pay at checkout on a partner merchant’s website, or pay at their till. In store you can also scan a payment link or QR code.
03
Check your schedule
Pick a plan. You see every payment, its date and the total before you confirm.
04
Pay the down payment
Pay Payment 1 (and any delivery fee) by card or Mobile Money.
05
We approve, the store delivers
We check and approve your order. The store delivers, or you collect in store.
06
Pay monthly in the app
Pay the rest on the same day each month. Paying early costs nothing extra.
Shop with Tabital
Shop with partner merchants across Ghana, from phones and appliances to fashion, groceries, health & beauty and more, paid in parts with 0% interest.
Stores
Sample listingsNo store matches your search.
Products
No product matches your search.
Sample listings for illustration: store names, products and prices are examples, not Tabital partners or offers. Your down payment (40–50%) and schedule are shown in the app before you confirm.
Ready when you are
Sign up in a few minutes. You’ll see the full schedule before you pay anything.