PBL Mobile Payment Service (mPay) is a solution that allows merchants to use a mobile phone to generate bills for payments by their customers. Customer payments are made from their Mobile Money or PBL account. The solution enables multiple cashiers/sales representatives to create bills and accept and confirm customer payments. 

This service is targeted at fast-food service providers, merchandise retail shops, pharmaceutical shops, and any retail business that wants to accept payment by mobile money in an easy, customer-friendly, and verifiable format. The service can be run on the simplest phones (no need for a smartphone).

Benefits

• Increased security due to reduced cash handling, preventing theft
• The availability of real-time payment reports to aid reconciliation
• Transparency of transactions and payments in real-time.
• The use of the solution is fast and simple
• The collection of fake currencies is avoided
• Provides customers with an alternate payment channel
• Enhanced convenience as clients can pay from mobile money wallet (All Networks)
• Improved efficiency in record keeping and reconciliation for merchants

How to Sign-up

• Visit any Prudential Bank Branch and complete an application form
• Merchants will be issued or assigned a unique terminal/merchant ID after a successful registration

E-Statement is a convenient and secure way for Prudential Bank customers to receive their account statements electronically via email.

Key Features:

• Electronic statements (E-Statements) are sent directly to customers' registered email addresses
• Statements include detailed transaction history and account balances
• Customers can choose to receive statements daily, weekly or monthly
• E-statements are password-protected for added security

Benefits:

• Convenience: Receive statements by mail, reducing paper clutter
• Security: E-statements are password-protected and is sent to your registered email address
• Environmentally friendly: Reduce paper waste with electronic statements
• Easy access: View statements online or save them for future reference

How to Sign on to the Service:

• New Customers: When opening a new account, indicate your preference for an E-statement or Statement by Mail on the account application form.
• Existing Customers: Visit the nearest PBL branch to update your records and sign up.

PBL Point-of-Sale (POS) terminals or devices can be located at Merchant locations to facilitate payments conveniently. The POS terminal is a portable device that accepts payments for goods and services from debit, prepaid, and credit cards. It accepts Visa cards, all brands of MasterCard (MasterCard, Maestro), gh-link cards, and payments from local mobile money wallets such as MTN, Telecel, and AT. We also offer POS devices that accept dollar transactions.

Benefits

• Fast and easy payment processing for goods sold or services rendered
• Merchants receive value within 24 hours after transactions
• Reduction in the cost of handling cash
• Reduction of the risks associated with handling cash
• Opening business for longer hours
• The increased potentiality for spontaneous purchases by cardholders
• Multi-channel Communication Functionality (Chip, Ethernet, etc)
• Euro Master Visa (EMV) Card compliant
• 24/7/365 availability with an uninterrupted backup power source
• Ability to perform card-not-present transactions

How to sign-up

• Visit any Prudential Bank Branch and complete a PBL POS application form, after which the business will be issued with the device.

GhanaPay is a mobile money service that gives users access to unlimited banking services. It is a convenient, secure, and reliable way to send and receive money, pay bills, make purchases, and more. Anyone with access to a mobile phone can register for a GhanaPay wallet, with or without a bank account.

Features:

• Send and receive money: Transfer funds to and from other GhanaPay users, bank accounts, and mobile money wallets. Transfers on GhanaPay are free (only e-levy charges apply).
• Pay bills: Pay utility bills, such as electricity, water, and internet.
• Make purchases: Use GhanaPay to pay for goods and services at participating merchants.
• Check balance: Monitor your account balance and transaction history.
• Security: GhanaPay uses robust security measures, including PIN and biometric authentication, to protect your transactions.

How To Signup:

• Download the app from the PlayStore or Appstore or
• Dial *707# and follow the steps
• Select Prudential Bank as your preferred bank during the setup process.

How Prudential Bank Customers Can Link Their Accounts To GhanaPay:

Prudential Bank customers can sign up for GhanaPay by visiting any Prudential Bank branch with their valid Ghana card ID and a mobile phone.

This is an internet-based payment system that enables businesses to accept payments from customers through websites. The Gateway is a convenient alternative payment channel for both cardholders and Mobile Money subscribers. It can be used for purposes such as the payment of tuition fees, licensure fees, hall dues, and voucher sales, amongst others.

It facilitates real-time transactions, allowing customers to make payments securely and conveniently.

Features

• User-friendly, well-secured
• Scalable Platform – the ability to suit any business requirements
• Robust and secured platforms: [https, token, dynamic keypad & 3-D Secure)
• Multi-currency setup
• Interactive and real-time notifications and back-end portal for transaction monitoring, including history
• Available ‘anywhere’ and ‘anytime’ there is internet.
• Able to integrate with 3rd party receivables;
• Settlement: within 24 and 48 hours of all mobile money and card-related transactions, respectively.

How to sign on

Please reach out to any Prudential Bank Branch and place a request for your business.

Prudential Bank Ltd has partnered with MTN Mobile Money to offer convenient and innovative mobile money services that allow customers to link their bank accounts to their mobile money wallets.

This partnership enables customers to access their bank accounts and move funds to their mobile money wallets or vice versa.

How to access the Service:

For SUBSCRIBERS, please follow these simple steps to access the services:

• Simply Dial *170# as a subscriber
• Select option 5 (financial services)
• Select option 1 (Bank services)
• Choose either (1) Transfer to Bank or (2) Transfer from Bank
• Select option 18 (Prudential Bank)
• Select your account number
• Enter the amount and authorize with your MoMo PIN

For MERCHANTS, please follow these simple steps to link your account:

• Simply Dial *171# as a merchant
• Select option 5 (Financial services)
• Select option 1 (Bank services)
• Choose either (1) Transfer to Bank or (2) Transfer from Bank
• Select option 18 (Prudential Bank)
• Select your account number
• Enter the amount and authorize with your MoMo PIN

How To Link Your Account

Visit any Prudential Bank branch to link your bank account to your MTN Momo wallet today.

Prudential Bank has partnered with Zeepay to offer customers a seamless and integrated banking experience. This partnership enables Prudential Bank customers to link their bank accounts to their Zeepay wallet, allowing for easy and convenient access to their funds.

Zeepay Mobile Money is a convenient, secure, and innovative mobile financial service that allows users to store and manage their money on their mobile phones. With Zeepay, customers can perform various financial transactions, including sending and receiving money directly into their wallets, paying bills and airtime purchases, all from the comfort of their mobile devices. Zeepay offers mobile financial service products to a large pool of over 2 million users across Ghana.

Key Features:

• Send and receive money to and from any mobile network
• Pay bills and purchase airtime
• Check account balances and transaction history
• Secure and encrypted transactions
• Available on all mobile networks

Customers can also access the following services through Zeepay

• StarTimes
• ECG Postpaid
• Telesol 4G Payments
• Zoomlion Wastepay
• Amazon Token
• Netflix Token
• Play Station Token

How To Sign Up

Dial the USSD short code *270# and follow the prompts.

Linking Prudential Bank Account to Zeepay:

To link your Prudential Bank account to Zeepay, follow these simple steps:

• Dial the USSD short code *270# and follow the prompts to sign on to Zeepay
• Link Your Prudential Bank Account: Kindly visit any Prudential Bank Branch for assistance.

Start Enjoying Seamless Banking: Once linked, you can access your Prudential Bank account balances, transfer funds, and perform various transactions directly from your Zeepay wallet. Dial the USSD short code *270# and follow the prompts.

PBL Digital Payment System (DigiPay) is a web-based solution that facilitates the processing of bulk payments in batches using a secure connection over the Internet. It is basically Internet Banking for corporate organizations that facilitates bulk payments to bank accounts and mobile money wallets in the thousands! DigiPay basically provides convenience for our business account customers, giving them the flexibility to make all sorts of payments right from their office.   

Benefits

• It provides an efficient means of effecting payments to contractors, vendors, suppliers, employees of companies, etc
• digiPay is an excellent information resource providing online real-time account monitoring.
• It gives instant value to PBL beneficiary account holders.
• It also offers improved transaction processing time.

How To Sign Up

• Visit any Prudential Bank branch and complete an application form
• Login credentials will be created and shared with designated users of the institution.
• Our team will arrange for a product walk-through/training on how to use the service and provide support.

This service is targeted at fast-food service providers, merchandise retail shops, pharmaceutical shops, and any retail business that wants to accept payment by mobile money in an easy, customer-friendly, and verifiable format.
GhQR enables payments to a merchant by scanning a Prudential Bank-generated QR Code displayed by the merchant with your mobile phone. The merchant gets the money instantly, just like paying with cash.

GhQR is interoperable because it allows merchants to receive payments from customers with bank accounts, wallet accounts, or card accounts from banks and other payment service providers across the country. In addition to the QR codes, merchants have unique Terminal IDs assigned to each of their points of payment or tills to facilitate receipts via USSD from customers who use non-smartphones.

Benefits

• GhQR creates convenience for a seamless experience in making payments
• The service provides merchants with real-time value for all payments made to the merchant.
• GhQR reduces the cost of receiving or accepting electronic payments
• The service allows merchants to accept payments from different customer funding sources.

How to Sign up as a Merchant

Visit any Prudential Bank Branch and complete the GhQR application form

The e-zwich smartcard is an electronic card which allows secure payment for goods, services and transfer of funds throughout the country.

Selected ATM Terminals are enabled to perform e-zwich withdrawals.

It allows users to either spend from a pre-loaded cash smartcard or from bank account(s) linked to the smartcard.

Features:

• Works for both the banked and unbanked
• Allows you to withdraw cash at any ATM or e-zwich terminal across Ghana
• Allows you to deposit cash onto the smartcard
• Provides transaction reports
• Allows transfer of funds from smartcard to merchant and bank accounts
• Allows online and offline merchant transactions
• Allows payment of utility bills
• Can be linked to more than one bank account
• Security: it is based on biometric fingerprint identification system

How to obtain the smartcard

Visit any of our branches nationwide to obtain a smartcard.