USSD Partnership

Proposal

2024
About Hubtel: Transforming
Everyday Life with Ghanaian
Innovation
Ranked in the top Leading and best-performing Biggest bulk SMS and
African 20 tech start- Payment Services Provider value-added services
ups by Forbes in 2012 licensed by the Bank of providers with market
Ghana share exceeding 30%

Awarded the top

Ghana’s biggest and most Largest payment services revenue-generating value-
successful wholly-owned provider processing nearly added services partner of
indigenous technology 10% of all successful mobile MTN Ghana in 2015
company money transactions in Ghana
Key Regulators, Auditors & International Certifications

Bank of Ghana National Communications Data Protection

Authority Authority

PCI-DSS:
ISO/IEC:27001:
Ghana Revenue Postal & Courier National Insurance Hubtel is officially a PCI-DSS
Authority Services Commission (Payment Card Industry Data
Hubtel is 27001:2013 certified by
Professional Evaluation and Security Standards) certified
Certification Board (PECB), a company, after the successful
leading ISO certification body completion of the PCI-DSS
in the United Kingdom. Hubtel certification in August 2020.
has put in place internationally This certification ensures
recognized information security adherence to the PCI Data
Ernst and Young
standards and measures to Security Standard, employing
keep our operations and the international best practices
business as secure as possible. and tools to enhance
cardholder data security.

8
Hubtel’s Unique USSD Solution
• Our Unique USSD solution facilitates interactive customer
communication via Two-Way Menu-Based USSD Integration
using user-friendly menus and registered short codes to
promote better engagement.

• It simplifies mobile money collections through Hubtel's

USSD gateway, accessible via a standard short code like
*714*22#.

• This simplifies reconciliation as all payments can be readily

tracked.

• The competitive rate of our receive money channel is 1%

capped at GHC 10.
Hubtel’s Programmable USSD (Shared Code)
• The Hubtel Programmable Service APIs (USSD) facilitate
interactive customer communication via Two-Way Menu-
Based USSD Integration using user-friendly menus and
*714*100#
registered short codes, to promote better engagement.

• With this, you can create an interactive menu.

• The code can be provided to be integrated into your

platform.

• This service attracts a monthly rental fee.

Hubtel USSD Based Hosting
• With this service, we can host an existing USSD code that you
already own.

• You can have extensions to it like *296*17#, 296*22# etc.

• It comes with a quarterly hosting fee of Ten Thousand, Five

Hundred Ghana Cedis (GHS 10, 500.00) per network operator or in
the alternative, a monthly fee of Three Thousand Five Hundred
Ghana Cedis (GHS 3, 500.00) per network operator via the Hubtel
platform.

• Transactional fee of 1% on receive money transactions done via

Hubtel’s platform.

• Transactional fee of 1% on send money transactions sent via

Hubtel’s platform.
The Hubtel Unique USSD Solution

• Our Unique USSD solution offers centralized mobile money

payments which streamlines reconciliation and comes with
an efficient back-office portal.

• Our competitive rate of 1% capped is at GHS10.

• There are no fees charged with respect to this.

• It simplifies mobile money collections through Hubtel's

USSD gateway, accessible via a standard short code like
*713*4000#.

• This simplifies reconciliation as all payments can be readily

tracked.
Scalable Infrastructure-High System Uptime

We employ a strategic approach to allocate resources, optimize performance,

and ensure adaptability, thereby guaranteeing the smooth management of all
levels of traffic volume.

339 Servers 38 Databases Multiple memory cache clusters

Multiple Security Groups Multiple Search Clusters

25 Load balancers
 Hubtel & Partner Payment Uptime Trend 2023
100.00%
100.00%
99.38% 99.99% 100.00% 99.91% 100.00% 99.46% 99.91%
99.79% 99.69% 98.80%
98.98% 99.47% 99.49%
99.29% 99.28%
99.12% 99.00% 98.96%
98.95% 98.81%
98.75%
98.57% 98.50%
98.36%

97.34% 97.46%
97.07%
96.80%

95.03%

93.37%

Jan Feb Mar Apr May Jun Jul Aug

AirtelTigo Vodafone MTN Hubtel

Proactive Monitoring & Support
Our monitoring tools collect, analyse, and visualize data from all applications
and infrastructure in real time for proactive monitoring. This helps us detect
anomalies such as spikes in traffic or errors to identify potential problems
before they cause downtimes.

We have dedicated teams for this:

• Production Performance Monitoring team works 24/7

• Transaction Monitoring team works 24/7
• Merchant success team to handle all business support issues.
Transaction Reporting & Settlement
Hourly Settlement
No need to wait for days to access your
money. Move your money to your bank
account or mobile money wallet an hour
after payment.

Free withdrawal
Pay nothing when you want to move your
funds to your bank account or mobile
money wallet after settlement.

Accountability
Track all your transactions reports from one
simple dashboard with multi-user access.
Transaction Processing Fees

• Hubtel does not charge for setup fees.

• Our charges are transaction-based.
Thank You!