Founded in 2024, CanPay was born out of a simple but powerful idea: to give people a more convenient, flexible, and affordable way to pay for the things they need without without financial strain.

Since then, we have been committed to empowering everyday people by providing alternative payment solutions through our growing network of trusted merchants.

CanPay: Who We Are

Our mission is clear: to increase the purchasing power of the ordinary Ghanaian by offering a smarter, “Buy Now, Pay Later” (BNPL) option. Whether it’s essentials or aspirations, we believe everyone deserves access to what matters most on their terms.

We envision a future where most people have the confidence and freedom to make purchases when they need to, without financial strain. By pioneering a customer-first BNPL model in Ghana, we aim to drive a shift toward more inclusive, transparent, and empowering financial services.

frequently asked questions

Merchants & Customers Questions and Answers

What is CanPay?

CanPay is a Buy Now, Pay Later (BNPL) service that allows you to split your purchases into installments (Zero interest on weekly payments, 2.93% on bi-weekly, and 5.65% on monthly payments.): online or in-store, without any hidden fees

How does CanPay work in simple terms?

Checkout with your CanPay details, confirm approval and payment plan and pay in flexible installments over time. No paperwork, no stress.

Is CanPay really interest-free?

We charge Zero interest on weekly payments, 2.93% on bi-weekly, and 5.65% on monthly payments. Late payments may attract a fee clearly stated before checkout.

Who can use CanPay?

Any individual over 18 years of age with a valid ID, Phone Number and a consistent income source. KYC (Know Your Customer) may be required during sign up, reviews and approval.

How do I repay?

Pay your instalments hassle-free using Mobile Money, Visa or Mastercard. Just choose your payment plan, and settle each amount on or before the due date—simple, secure, and stress-free!

Want to clear your balance early?

Go ahead! Pay off anytime with zero penalties—because flexibility is what we’re all about.