eTranzact revolutionises digital payments with XCEL App

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By Ernest Bako WUBONTO

eTranzact Ghana Ltd., a Fintech entity at the forefront of delivering innovative electronic and mobile payment services, has officially introduced its flagship digital payments app – to enable seamless, safe and fast transactions for clients – onto the market.

This one-stop-centre financial services solutions platform is a strategic move that upgrades the leading Fintech operator from just a business-to-business (B2B) to a business-to-consumer (B2C) service provider as the brand is continuously innovating to be the pacesetter in the Ghanaian market.



The Xcel Ghana mobile app is a premier card management and digital payment application that enhances financial services for its users. With a focus on convenience, flexibility and security, the Xcel app aims to make financial management effortless for individuals and businesses in Ghana.

The app is carefully designed to provide access to a wide range of services, including its integration seamlessly with GH-Link prepaid cards, allowing users to enjoy the benefits of both physical and digital payments. From electronic mobilisation of ‘susu’ contributions, sending money, shopping and payment of bills, among others, the public can easily explore its user-friendly features.

Founder and Group CEO at eTranzact Global, Valentine Obi, speaking at the launch, highlighted that the launch of the Xcel Super App in Ghana marks a significant milestone in the journey of innovation and progress not just for eTranzact, but for the entire financial ecosystem.

He added that eTranzact understands that the future of payments lies in the hands of the people; therefore, its role is to provide the tools that would make financial transactions seamless, secure and accessible to all. The Xcel app is, thus, designed to meet business owners, young professionals or people managing day-to-day finances at their point of need and take them to the next level.

“When we envisioned Xcel, we were not just thinking about a mobile app; we were thinking about how we could empower individuals, businesses and communities across Ghana and beyond. Our mission is simple: to create a financial platform that not only meets the needs of today, but also anticipates and solves the challenges of tomorrow,” he said.

Chief Executive Officer of eTranzact Ghana, Dr. John Apea, emphasised that we live in a world that is constantly evolving and innovation is not just an option but a necessity; hence, eTranzact would continue to leverage technology to drive transformation for the national good.

“Here at eTranzact, we are ardent believers that technology should serve as a bridge, bringing us closer to our goals and each other. The vision for this product was clear – to create a super tool that enhances lives, streamlines and short-circuits processes, and connects people in meaningful ways.

“Having listened to your feedback, studied the market and integrated the latest technologies, we believe this app meets your needs.

“From making everyday payments: paying bills, subscriptions or buying or selling online, to more unique areas such as searching for international jobs and internships, listening and paying for your favourite music, ticketing for exciting events, news and philanthropy, Xcel app’s goal is to make your life easier and more convenient,” he said.

Board Chairperson, eTranzact Ghana Limited, Rev. Prof. Paul Frimpong-Manso, in his remarks, stressed that as the leading payment solution provider, it looks forward to deepening partnerships and exploring new opportunities to make payments in Ghana faster, more accessible and more secure.

This, he said, is very important because the brand’s great achievements are testaments to the unwavering support of clients, telcos and banks, who trusted and partnered with eTranzact over the years.

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