Plans and fees
The down payment is always Payment 1, paid at checkout. Any delivery fee is paid with it. 6- and 12-month plans are coming soon.
Plans
| Plan | At checkout | Then |
|---|---|---|
| Pay in 4 | 40–50% down payment, set by your record | 3 monthly payments |
| Pay in 3 | 50% down payment | 2 monthly payments |
| Pay in 2 | 50% down payment | 1 monthly payment |
| Pay in full | The full price | Nothing more |
Fees
| What | Amount |
|---|---|
| Interest | 0% |
| Late fee (day after the due date) | 10% of the overdue payment |
| Second late fee (31+ days late) | 10% of what is still unpaid |
| Late fee cap | Never more than 25% of the order total |
| Move one payment by a month | 10% of what is still owed on it, once per plan |
Full details are in our Terms.
Who can use Tabital Pay
- You are 18 or older and live in Ghana
- You have a valid Ghana Card
- You have been employed for at least 6 months
- Your salary of at least GHS 2,000 a month is paid into a bank account
- You have a Mobile Money account in your own name
We also check your identity, employment and credit record. Meeting these conditions doesn’t guarantee approval.
Questions
There is no grace period. The day after a missed due date we add a late fee of 10% of that payment. If it is still unpaid after 31 days we add another 10% of what is left. Late fees on one plan never add up to more than 25% of the order total. Late payments can lower your spending limit and pause new purchases until you catch up.
Once per plan, you can move an upcoming monthly payment back by one month. The fee is 10% of what is still owed on it. Ask on or before the due date. Your later payments move by a month too.
In the Tabital app, by card or Mobile Money. You can switch on autopay with a saved card. You can pay early, one payment at a time, at no extra cost.
It is based on your verified salary. New customers start at 1× their monthly salary. Each plan paid on time adds 0.1× your salary, up to 0.5× more. Late payments lower it. We check it against the full price of the item.
Common reasons: a payment is overdue, the price is above your limit, your identity or employment is not verified yet, or our checks need more information. Contact info@tabitalpay.com if you are unsure.
Yes, at partner stores. The store gives you a payment link or QR code and you complete the purchase in the app. Collecting in store has no delivery fee.
Contact the store first. If that doesn’t fix it, report it from your plan in the app. Your plan is paused while we look into it, and we aim to decide within 21 days. If you are right, the plan is cancelled and we refund what you paid.
We use encrypted connections and mask sensitive numbers on our staff screens. Payments go through Paystack and we never store your card number.