How PaySmallSmall works
The long version — though honestly, it's still short.
For you, the buyer
Say you want a phone that costs GHS 1,250. You don't have GHS 1,250 sitting down. Fine. Pick a plan — maybe GHS 105 a week for 12 weeks — and approve the first payment on your MoMo. That's it, your plan is running.
Every week you pay, we text you a receipt showing exactly where you are: "5 of 12 paid, GHS 735 to go." The money doesn't go to the shop — it sits in escrow with us. The shop can't touch it, and they can't sell your phone to somebody else and vanish with your deposits.
When the last payment lands, we pay the shop, and both of you get an SMS. You walk in, show the message, collect your phone. Done.
If you miss a week
Life happens — we know. You get a 3-day grace period and a friendly reminder, no penalty. If you need to stop the plan entirely, we refund what you've paid back to your MoMo, minus a small cancellation fee (5%). Nobody keeps your money.
For shops
You list your products with the cash price. When a customer starts a plan, you'll see it in your dashboard — every payment they make, in real time. You release the item only when we've paid you, so there's zero risk of handing over goods that aren't paid for.
We take a small platform fee (5%) from the payout. That's the whole business model — no subscriptions, no setup cost.
No smartphone?
Dial *920*77# on any phone to check your plans or pay an installment. Works on the oldest yam phone in the drawer.