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Tranzaq

Bulk payouts for Ghana

Pay everyone who works for you, in one go.

Add money, upload a sheet, and Tranzaq checks every account, gets your team's approval, and sends mobile money and bank payments to hundreds of people at once. Traders, drivers, teachers, crews: everyone gets paid, and you can see exactly what happened.

Try everything in test mode today. Live payouts after a quick review of your business.

A woman carrying a large metal bowl of goods on her head along a road
A smiling driver looking out of his vehicle window
A tailor at a sewing machine in a clothing shop

Mobile money and banks

MTN, Telecel, AirtelTigo and Ghana's banks, in one batch.

Names checked first

The account holder's name is looked up before money moves.

Two people, always

Whoever prepares a payout can never approve it.

Every payment explained

A status on each one, and a reason when something fails.

How it works

From balance to paid, in four steps.

No more paying people one by one from different apps. One flow, with checks at every point.

The funding page with deposit requests
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Built for how Ghana pays

Most people are paid to a phone number. We start there.

Across Ghana, salaries, commissions and supplier payments go out to mobile money numbers and bank accounts, often one at a time from a phone. It is slow, and a single wrong digit sends money to a stranger.

  • The name on every account is looked up before you pay it
  • A wrong number or a duplicate is caught while you are still preparing
  • Failed payments say why, and the money returns to your balance
  • Every cedi in and out is on a statement you can download

Bulk payouts

Upload a sheet. We check every account.

Download the Excel template, fill in phone or account numbers and amounts, and upload it. Tranzaq looks up the name on every account, builds the batch, and tells you what needs attention.

The Excel template has a dropdown of every bank and network, so there is nothing to memorise.

See how bulk payouts works
The checked spreadsheet, with a result for every row

Approvals

No single person can send money alone.

Whoever prepares a payout can never approve it. Set rules by amount: who must approve, how many people, and whether a one-time code is needed. Everything is recorded.

Rules by amount, with deadlines, so nothing waits forever.

See how approvals works
The approvals inbox listing batches waiting for a decision

Statements and balances

Every cedi accounted for, line by line.

Your balance is added up from a double-entry ledger, never stored as a loose number. Download your statement any time and see what happened to every payment.

Download it any time and hand it to your accountant.

See how statements and balances works
The statement page listing every movement of money with a running balance
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Two construction workers in hard hats resting on a tiled roof
Two men loading parcels onto the roof of a van
A fisherman sitting in a wooden boat with green nets beside a river

Take a look around

Every screen, built for people who pay people.

These are real screens from the product, with demo data.

Balances, money in and out, and everything that needs you, on one page.

The home dashboard

Time you get back

See what a month of payouts costs you in hours.

Move the sliders to match your team. The numbers stay in your browser.

We assume about 10 minutes to upload, review and approve one batch. Your own numbers will differ; move the sliders to match your team.

Your month with Tranzaq

7.7hours back

Payments a month
160
Paid out a month
GH₵144,000
Every payment gets a name check, a second approver and a status

For developers

Connect your software with a small, stable API.

Sign in with OAuth, create payout batches, and get signed webhooks for every result. Try it with fake money first.

  • OAuth 2.0 client credentials with scopes you can revoke at once
  • Idempotency keys: a retry never pays twice
  • Test mode on its own database, with fake money
  • Signed webhooks, a delivery log and one-click resend
# 1. Trade your credentials for a token
curl -X POST https://api.tranzaq.com/oauth/token \
  -d grant_type=client_credentials \
  -d client_id=tqz_test_… -d client_secret=…

# 2. Create a batch (safe to retry)
curl -X POST https://api.tranzaq.com/api/v1/payout-batches \
  -H "Authorization: Bearer $TOKEN" \
  -H "Idempotency-Key: payroll-2026-10" \
  -H "Content-Type: application/json" \
  -d '{ "name": "October salaries",
        "items": [{ "beneficiaryId": "…", "amount": 1850.00 }] }'

Security

Controls that protect money and data.

Safety is part of how payouts work, not a feature added later.

Two people for every payout

The person who prepares or submits a batch can never approve it. You set how many approvers each amount needs.

One-time codes for approvals

Approval steps can require an authenticator code, so a stolen password alone cannot release money.

Encrypted account numbers

Bank and mobile money numbers are encrypted when stored and shown masked, never in full.

Passwords and secrets are hashed

We store only a fingerprint of passwords and API secrets, so we cannot read them and a database leak cannot be used to sign in.

A double-entry ledger

Every movement of money is a balanced entry that is never edited or deleted. Balances are worked out from the entries, not stored.

Safe to retry

Payments and API calls carry idempotency keys, and our processing is built so a repeated message can never move money twice.

FAQ

Questions we hear most.

Cannot find your answer? Our team is happy to help.

Who is Tranzaq for?

Businesses and organisations in Ghana that pay many people: salaries, commissions, refunds, suppliers, stipends. If you currently pay people one at a time from a bank or mobile money app, Tranzaq is for you.

Which accounts can I pay?

Mobile money wallets on MTN, Telecel and AirtelTigo, and bank accounts at Ghanaian banks.

How do I add money?

Create a funding request and pay it with mobile money or bank transfer on a secure checkout page. When the payment is confirmed your available balance goes up.

How do you stop a wrong number being paid?

Before any money moves, we look up the name behind every account. In a spreadsheet upload, every row is checked, and rows that fail come back with the reason. If you also give the name you expect, we compare the two and flag a mismatch for a person to decide.

Can one person send money alone?

No. Whoever prepares or submits a payout can never approve it. You decide how many approvers each amount needs, and steps can require a one-time authenticator code.

What happens when a payment fails?

The money for that payment returns to your available balance, and the payment shows its failure reason. Temporary problems are retried automatically. You can fix failed rows from a spreadsheet and send them again.

Get started

Pay your people with confidence.

Create your business account and try everything in test mode today.

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