Money in Ghana should be instant and clear. Too often it still isn't.
use mobile money daily, but still juggle several apps.
Source: Bank of Ghana payment statistics (2025)
of parents find school fees hard to track over a term.
Source: NAFLIS SchoolPay survey (2026)
of susu members still keep records on paper.
Source: NAFLIS community finance study (2026)
Pay at the market, in seconds
One wallet for MoMo, bank and card. No app-hopping.
Designed features
for you
Built for students, parents, schools, businesses, organisations and agents — simple, secure and fully in cedis.
Move cedis between NAFLIS wallets, MTN, Telecel, AT and your bank — instantly.
Every cedi sits on an immutable double-entry ledger with full audit history.
Personal, parent, student, business, school, organisation and agent wallets in one place.
Fees are published in the Engine Room and shown before you confirm a payment.
Join NAFLIS
in four steps
Seamless payments
across Ghana
Agents, schools, churches and businesses in all sixteen regions — from Accra to Wa, your money moves with you.
Tap or hover a region to see what NAFLIS runs there. Illustrative launch coverage.
Greater Accra
Head office, agent network, SchoolPay partners
Major hubStart your journey with NAFLIS
Take control of your cedis with fast, secure and simple money that works for your family, school and business.