Money held in escrow till you finish — nobody can chop it No smartphone? Dial *920*77#
Secure layaway for Ghana

Own what matters,
one installment at a time.

That phone you've been eyeing? Pay small small — GHS 100 a week — and it's yours. No lump sum, no borrowing. Your money sits safe in escrow till you finish.

Start browsing Dial *920*77# to pay
The shop only gets paid the day you finish. Nobody can chop your money.
A shopper's phone — their layaway plan is fully paid Payment completeTecno Spark 30C · fully yours
Goal reached
GHS 1,200
Held in escrowShop gets paid only when you finish
SMS every paymentYou always know where you've reached
Miss a week? No penalty3-day grace and a friendly reminder
Works on any phoneDial *920*77# — no data needed
How it works

Three steps. Then it's yours.

A simple, transparent process to get what you need — without the stress of paying everything today, and without a loan.

Browse & select

Phone, bed, sewing machine — from real shops we've checked. You see the cash price and the weekly price side by side. No hidden anything.

Commit & pay

Approve one MoMo prompt and your plan is live. Pay weekly at your own pace — every payment gets you an SMS receipt on the spot.

Finish & collect

Last payment lands, the shop gets paid, you get an SMS — go collect your item. Money never touches the shop till you're done.

Since we opened the doors

Small payments, big things.

GHS 0paid off small small by shoppers like you
0plans finished — items collected, shops paid
GHS 0lost to a shop vanishing — escrow won't allow it
0shops across Accra, Kumasi & Takoradi selling this way
For shop owners

Grow your shop without the credit risk.

Customers who can't drop GHS 1,200 today pay GHS 100 every Friday. You still make the sale. We hold the money in escrow — nobody runs off with your stock, and you're paid in full the moment the plan finishes.

Any phone works — yam phone included

*920*77#

Dial it to check your plan, see what's left, or pay this week's installment. Under a minute, no data needed.