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Mobile Payment for Everyone


Zeepay Ghana Limited is a wholly Ghanaian owned Mobile Financial Services company focused on providing integrated mobile payments services with mobile wallets targeting the unbanked and banked population with the objective of bringing the unbanked into the financial stream and easing payments and collections for the banked population.

Zeepay facilitates the processing of multiple mobile phone payment transactions, and operates as a  aggregator that brings transaction of all players together on one single platform. The company’s core application runs on an open source technology, and it’s designed to integrate all types of payment platforms, banks, merchants, Mobile Network Operators (MNOs), and other companies with subscriber based transactions.

Zeepay’s objective is to include about 50% of the unbanked population through the provision of mobile financial services with retail enablement. While improving revenue mobilization for Government, Municipals, Insurance, Banks, Retail based organizations, and all relevant key stakeholders within the payments and collections ecosystem.

We provide a platform that accepts mobile money wallets, debit & loyalty cards, and cash at the point of sale along with operating as a store house for holding cash through mobile wallets for members.

Our Mobile Financial Services platform runs on an open source, giving us the ability to aggregate all modes of payments within Ghana and abroad. We do not compete with, but rather provide a means to payments and collections for both Retail partners and direct competitors. For competitors, our core mission is to expand their reach through varied partnerships hence the reason we pride ourselves as aggregators.

We are the first to go to market in Ghana with the “tap and pay” and the “click and send” service, offering two factor authentication as the minimum – which in Ghana is PIN and biometric, we use another factor which is near field communication.

Fast, Affordable and Reliable.


At Zeepay our mission is to provide a fast, affordable, reliable and easy to use payments ecosystem in Ghana.

That is mobile agnostic and independent of Mobile Network Operators, Banks and Retailers but rather consumer focused and driven for a highly interactive consumer market where the consumer dictates the market pace.

Using an aggregator platform with high inter-operability and robust processors enabling us to handle a maximum of 200,000 transactions in volume per second. This is all accomplished while being able to process mobile wallets across various networks, proprietary cards, branded cards, international money transfers, contact less and cash amongst others via point of sale, web, and smart phones.


Andrew Takyi-Appiah I

Managing Director

Andrew joins Zeepay as a Co-Founder and Managing Director. He is an expert on Banking and Mobile Payments and comes on board with over 15 years of experience in Banking and Business Development. Andrew’s experience spans the world of Marketing and Banking as he has held various positions from being a Brand Manager for NESCAFE to holding roles such as Head of Retail, Head Corporate – Manufacturing Business, Head Transaction Banking, General Manager Strategy, General Manager Business Performance all in Banking and a Business Development Head and Lead Strategy Consultant for Big Four Consulting.
Andrew has had the opportunity to work with institutions such as Commonwealth Secretariat, Nestle, Barclays UK, GT Bank, Ecobank, UT Bank and PricewaterhouseCoopers. In his spare time, Andrew speaks on Mobile Payments and Banking and has been featured as a guest speaker at several International Conferences. His passion lies within Financial Inclusion and Mobile payments. He is a product of University of Hull and University of California Los Angeles. He has lived and worked in 3 Continents – Europe, North America, and Africa. In Africa he has experience and exposure working in more than 7 markets including Nigeria, Kenya, Uganda, Rwanda, Ghana, Burundi, Zambia, Malawi and South Africa. He has also been part of key retail deployments across Africa and comes on board with in-depth retail and payments experience.

Yaa Badu Appiah

Accounts & Reconciliation Officer

Prior to joining Zeepay as an Accounts and Reconciliation officer, Yaa worked at Lindador Enterprise as an Account Officer in charge of reconciliation. She also worked with Axm Road Credit Union, Takoradi as a Credit Officer and Takoradi Technical Institute Accounts Department as an Accounts Officer. Yaa holds a Bachelor’s Degree in Management and Accounting from University of Cape Coast.

Hilda Osei


Hilda joins Zeepay Ghana as a designer. She forms part of the digital marketing team. She has held internships at some textile and fashion companies in Ghana, including Printex Ghana limited. Hilda is a graduate of Kwame Nkrumah University of Science and Technology (KNUST) with a Bachelor’s Degree in Industrial Art.

Emmanuel Osei Frimpong

Performance Management

Emmanuel joins Zeepay as the performance Manager. His fundamental role is to promote and improve employee effectiveness. He works with other employees to plan, monitor and review work objectives. Prior to joining Zeepay, he worked as an Accounts Officer and Accountant for KNUST faculty of Agriculture and Infant Jesus School-Kumasi respectively. He is a graduate of the University of Cape Coast with Bachelor of Commerce (B. COM) Honors.

Dr. Anthony Kwesi Appiah

Board Chairman

Dr. Appiah comes on board Zeepay with an extensive experience in Financial Services. He specializes in start-ups of Banks’ and restructuring of financial institutions. His experience spans three Continents – Africa, South America & Caribbean, and Europe.

He is the founder and first Managing Director of Social Security Bank which was later acquired by Societe General Bank. Dr. Appiah was instrumental in the restructuring of Ghana Co-operative Bank as Technical advisor and Managing Director of the Bank, he did same for Guyana National Co-operative Bank also as Technical advisor and Managing Director where he also successfully restructured the bank. He spent considerable years in Uganda also as Technical Advisor and later the Chief Executive Officer of the bank responsible for restructuring the bank.
In his working career, he has held other roles such as Director of Budget, Principal Secretary and Finance Minister all in Ghana, coupled with working for Bank of Ghana and other International assignments. He comes to Zeepay with a wealth of experience, contact, and corporate governance.

Zoe Phillips

Board Director

Zoe Phillips is a lawyer and a Partner at a leading Law Firm in Ghana. She comes onto the Board Zeepay with a lot of international experience having worked with global Law Firms in the United Kingdom. She has extensive experience in Legal Transactions Advisory, covering various facets of the law including Corporate and Commercial Law, Energy and Natural Resources, Minerals and Mining, Banking and Finance and Mergers and Acquisitions. In her career, she has been part of high profile international assignments, counting among them, cross border IPO listings, multi-jurisdictional acquisitions and international arbitration.

Zoe has an LLB from the University of Essex and an LLM in International Business Law from the London School of Economics and Political Science. She has been called to the Bar of England and Wales and is also a member of the Ghana Bar. She is very commercially minded and an invaluable asset to the Board.

Tanja Havemann


Tanja Havemann is a Director at Clarmondial, a Swiss investment advisory company. Tanja founded Clarmondial in 2010 to create and develop social and environmental businesses in emerging markets. With an education grounded in science, and an extensive professional background in finance and policy, Tanja brings an international perspective and networks.

She will help Zeepay to expand its services to other sectors and projects including sustainable agriculture and value chains, and advise Zeepay on potential non-financial outcomes associated with its business. Tanja is a Danish-Swiss national, who was born in Tanzania, lived 18 years in East Africa, and has done business in over 25 countries.

Mr. Achampong-Kyei

Board Director

Mr. Achampong-Kyei is the founder and Chairman of the GLICO group of Companies which is made up of GLICO GENERAL, GLICO FINANCIAL, GLICO HEALTHCARE and GLICO PROPERTIES and GLICO PENSIONS.
He is on the Executive Boards and Committees of the GROUP.
He is a distinguished Insurance Executive and practitioner with over thirty-five years active experience (in the insurance/financial industry).
Mr. Achampong-Kyei is an esteemed member of the Chartered Insurance Institute and holds a B.Sc Degree in Business Studies, a Post Graduate Diploma in Management studies from the United Kingdom.

Kwaku Achampong-Kyei

Board Director

Mr. Kwaku Achampong-Kyei is an Associate Director at GLICO CAPITAL. He holds an MSc. Masters of International Business/ Finance option as well as a BA in Business Administration and management from HULT International Business School (London/ UK). During his time at HULT, Kwaku worked under the institution’s action project program where he worked as a consultant on market strategies for The Clorox Company (San Fransico/ USA) and Lebara Money (London/ UK).
Prior to his appointment as Associate Director, he was the Head of Investments at GLICO Capital, he also worked with Standard Chartered Bank PLc (Accra/Ghana) where he rotated through Corporate Banking and the Group Special Asset Management Departments.
Mr. Kwaku Achampong- Kyei had also worked progressively in GLICO Life Insurance Company Limited since 2008 as an Accounts and Finance Officer, Audit Officer, Marketing Officer and Management trainee.