Collect & Track payments
in seconds,
not days.

MySwiftBill gives every shop, kiosk and branch a simple way to generate payment links, accept mobile money and card, then withdraw straight to your MoMo wallet or bank account.

Start Free Today See How it Works
Shop A · Accra Today
GHS 1,240.00
Today
GHS 1,240
Txns
18
Avg
GHS 69
...
Payment received!
QR code ready
SMS sent ✓
Accept payments via MTN MoMo Telecel Cash AirtelTigo Money Mastercard Visa
Withdraw to MoMo Wallet Bank Account
Features

Everything you need to
get paid faster

No complicated setup. No expensive hardware. Just a phone and internet.

Instant Pay Links
Generate a unique payment link or QR code in under 30 seconds. Share via Email, SMS or show it in person.
Live Branch Ledger
Every transaction recorded automatically with timestamps, customer number and network. Export anytime as CSV.
SMS Alerts
You and your customers get instant notification the moment a payment lands, no more "confirmation" or "settlement" disputes.
Withdraw to MoMo or Bank
Cash out anytime to any MTN MoMo, Telecel Cash or AirtelTigo Money wallet or directly to any Ghanaian bank account.
Multi-Branch Ready
Manage multiple shops from one account. Switch between branches instantly and see per-branch performance.
Revenue Insights
Daily totals, transaction counts, etc. Real-Time update so you always know how the day is going.
Bank-Grade Security
Encrypted transactions, role-based access for attendants and managers, and full audit history on every action.
How it Works

Three simple steps

If you can send a WhatsApp message, you can use MySwiftBill.

1
Create your free account
Sign up in under 2 minutes. Add your shop and you are ready to go.
2
Generate a pay link
Simple as entering the amount, hitting generate, and get a unique link or QR code instantly. Share it any way you like (sms, email, etc).
3
Withdraw to MoMo or Bank
When you are ready, pay out to your MoMo wallet or bank account. Minimum withdrawal is GHC 500. Fees start at 5% (capped at GHC 4,000) for smaller amounts, with lower rates for higher volumes.
Pricing

Transparent, tiered fees.
Nothing else.

No monthly subscriptions. No setup fees. No per-transaction charges. You only pay when you withdraw money to your MoMo wallet or bank account.

Transparent Pricing · No Hidden Fees
5% starting fee

Min withdrawal GHC 500

Charged only when you withdraw funds to your MoMo wallet or bank account — not on individual customer payments as they come in.

Withdraw to: MTN MoMo Telecel Cash AirtelTigo Money Any Bank Account
Fee applies to
Payouts — the amount you withdraw to your MoMo wallet or bank account
Fee does NOT apply to
Individual customer payments as they come in
Withdrawal Fee Structure
Minimum Withdrawal Amount GHC 500
GH₵500 – GH₵100,000
5% (Capped at GH₵4,000)
GH₵100,001 – GH₵200,000
4% (Capped at GH₵6,000)
GH₵200,001 – GH₵500,000
3% (Capped at GH₵10,000)
GH₵500,001+
2% (Capped at GH₵20,000)
Worked Example
Total collected (45 payments) GHS 105,000.00
Withdraw to Business Bank Account
GHS 100,000.00
Fee for GH₵100k (GH₵500 – GH₵100 Tier)
5% of Ghc 100,000 would be Ghc 5,000, but fee is capped at GHc 4,000
−GHS 4,000.00
Lands in your Bank Account GHS 100,000.00
Everything included — no extra cost
Unlimited transactions
Unlimited shops / branches
Payment links & QR codes
Withdraw to MoMo & bank
SMS alerts (you & customer)
Live ledger & CSV export
Revenue insights & reports
Team roles & priority support
Create Free Account Talk to Sales

No monthly fee  ·  No setup fee  ·  No minimum volume

Why a tiered payout fee?
Most platforms charge 1.5–3.5% on every single customer payment — so 20 small payments cost you far more than one lump sum. With MySwiftBill, whether you collect 20 payments or 1, the fee is identical based on your total withdrawal amount.

Small withdrawals (under GHC 100k) pay just 5% (max GHC 4,000), while large enterprises benefit from lower percentages (2% capped at GHC 20,000) for volumes over GHC 500k.
Testimonials

Community Love

See what the community is saying about MySwiftBill

"Before MySwiftBill I was writing payments in a notebook. Now everything is automatic, I get an SMS the moment money comes in, and I withdraw straight to my MTN MoMo at end of day. Game changer."

AA
Abena Asare
Shop Owner · Makola, Accra

"I manage 3 branches and used to spend hours reconciling at end of day. Now I switch between shops in one tap and withdraw each branch's earnings to their own bank accounts separately."

KM
Kwame Mensah
Branch Manager · Kumasi

"My customers love the confirmation SMS. And I love that I can withdraw to my bank account whenever I want — the fee is clear and upfront. Even on big days, I never pay more than ₵20,000."

EN
Efua Nkrumah
Boutique Owner · Takoradi

Ready to get paid faster?

Set up in under an hour.
Collect via MoMo or card (coming soon), withdraw to your wallet or bank.

Create Free Account Talk to Sales