About Tabital Pay

Tabital Pay is consumer credit infrastructure for Ghana, starting with Buy Now, Pay Later. Many Ghanaians earn a steady salary but can’t pay for a phone, laptop or appliance all at once. Bank credit is slow, and traditional hire purchase still means paper forms in a shop. Tabital moves the whole process online: shop, apply, get approved and repay from your phone.

For customers

  • Plans: Pay in 2, 3 or 4 with 0% interest, or pay in full. The down payment counts as the first payment.
  • Fast digital checks: Ghana Card and selfie verification, employment checks, and a spending limit based on salary that grows as you repay on time.
  • Full transparency: the schedule, fees and total are shown before you agree. You get SMS and in-app reminders and optional autopay. You can defer one instalment for a small fee.
  • Available on the web and in the Tabital Pay app.

For merchants

  • Sell on Tabital’s Shop, through payment links and QR codes, or with Tabital Checkout on your own website and at your till.
  • Get paid in full for each sale, minus a fixed fee, once delivery is confirmed. Payouts run every 3, 7 or 30 days, by your choice.
  • Carry no credit risk: Tabital handles underwriting, repayment and collections.
  • Manage it all in the Tabital Business app.

Built on risk discipline

Our founder’s background is banking risk management and credit recovery. Every purchase goes through the same identity, fraud and underwriting checks, and each order is approved by a person. Late fees are capped. Every account is audited, and staff access is split between operations and management.

Our long-term goal

To become Africa’s alternative consumer credit infrastructure, built on repayment data, underwriting intelligence and collections.

Sign up

Tabital Pay Ltd · Registration number CS 117960626 · 37 Hillview St. (GZ-097-6119), 7th Avenue, Greda Estate, Teshie, Accra, Ghana