개요
IT Consortium is a Ghanaian company that built the TransFlow payment ecosystem. TransFlow is middleware that connects banks and mobile money operators to merchants: a business plugs in once and then accepts payments from many channels.
Products
- TransFlow — payment aggregation and a single connection to banks and mobile money.
- TransPay — bulk payouts, such as salaries, insurance claims or agent commissions.
- Mobile Standing Orders — automatic recurring charges to a mobile wallet once the payer has agreed.
Channels
Banks, mobile money, cards, ATMs, POS terminals, GhIPSS Instant Pay transfers and ACH.
Sectors served
- billers, such as power, water and other service companies;
- insurance;
- instalment plans and loan repayments;
- education.
Recurring collections matter most here: an insurance premium or a loan instalment is collected automatically, so the customer does not need reminders and the company sees fewer late payments.
Coverage
Ghana; TransFlow aggregation also runs in Liberia.
Licence
The Bank of Ghana register places IT Consortium LTD in the PSP Enhanced category, the top tier for payment providers in the country.
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