Author: Hubtel

• Where can I find my money?

Your money can be found in your Hubtel prepaid account; at the top righthand side of your dashboard.

• How can I buy bundles?

Bundles no longer exist with the Direct SMS Gateway Messaging service. The cost of your SMS campaigns will now be paid from your Hubtel prepaid account.

• Why has Hubtel changed from bundles?

The Direct SMS Gateway Messaging service does not support bundles and there’s no expiration of bundles.

• What happens to my existing bundles and credits?

Your existing SMS bundles and credits have been converted to money and credited into your prepaid account at an exchange rate of GHS 0.03.

• Is the new rate of each message GHS 0.02?

No. The rate of SMS depends on the gateway selected. You can change gateways anytime you want.

• Where can I see my messages in real time?

You can view your messages sent from the portal on https://bo.hubtel.com/newmessaging/reports and messages sent through the API on https://bo.hubtel.com/newmessaging/api-sms

• Why am I the one choosing my own gateway?

Choosing your own gateway gives you control over the costs of your SMS campaigns. You also get to pause and play or change gateways as you prefer.

• Why do I have to separate my local messages from my international ones?

The charges for local and international messages are different. Also not all gateways support a file upload of both international and local contacts.

• Will I be charged for the same rate for both my international and local SMS campaigns?

The charges for local and international messages are different, also not all gateways support a file upload of both international and local contacts.

• How do I create or top up my API keys on the new messaging service?

In order for you to create, top up your API keys:
i. Go to “Manage Messaging” under “Messaging“.
ii. Click the “Create New API Keys” button to create and top up your new API keys.
iii. You may also top up existing API keys by clicking on the three green dots on any of your keys, and then select “Add Funds”.

• Has the previous endpoint been deprecated?

No. The same endpoint works.

• Can I still download my campaign reports?

Yes. You can download your reports in the existing excel format from now till 30th June, 2022. Starting July 1^st, 2022, downloadable reports will no longer be an excel sheet of numbers for the various campaign statuses.

SMS campaign reports will also now be a summary of all campaigns in PDF format within a selected period.

• How do I access my previous SMS campaign reports?

You may access your previous SMS reports on https://bo.hubtel.com/newmessaging/messaging-reports from now till 30th June, 2022, after which your reports’ format in excel will no longer exist.

• Why aren’t my API messages going through?

Kindly check your Programmable SMS balance to ensure that you have funds on https://bo.hubtel.com/newmessaging/programmablesms and top up if your balance is zero.

Please report any concern that persists to [email protected]

The Direct SMS Gateway Marketplace That Suits Your Business is Here!

The final phase of migration activities to the newly upgraded Direct Gateway Messaging Service, has been completed successfully.

This means…

• The cost of your SMS campaigns will now be paid from your business prepaid account as the new Direct Gateway Messaging Service doesn’t support SMS bundles and credits.
  
• Your current SMS bundles and credits have been converted to money and credited into your prepaid account at an exchange rate of GHS 0.03.
  
• Additionally, you will need to top up your API keys in order to send your messages from https://bo.hubtel.com/newmessaging/programmablesms
  
• SMS campaign reports will now be a summary of all campaigns in PDF format within a selected period. Downloadable reports will also, no longer be an excel sheet of numbers for the various campaign statuses.
  
• You may access your previous SMS reports on https://bo.hubtel.com/newmessaging/messaging-reports from now till 30th June, 2022, after which your reports’ format in excel will no longer exist.
  

Enjoy better pricing offers for campaigns of all sizes that beats the competition!

Kokomlemle –– Accra, April 2022: Ghana’s leading payments, quick commerce, and messaging technology company, Hubtel, has received a full and final license from the Bank of Ghana (BoG) to operate as a Payment Service Provider (Enhanced).

In September 2019, the Bank of Ghana, in a notice to banks and non-bank financial institutions, stated the need for institutions such as financial technology companies to “provide the legal and regulatory framework for the orderly development of payment systems in Ghana.”  Hubtel applied to be licensed among the pioneering companies to fill this emerging space and was granted initial approval to operate as an enhance payment service provider by the Bank of Ghana in August 2020. 

The issuance of the final license is significant as it confirms that Hubtel’s payment processing operations are compliant with the standards of the central bank of Ghana, and thus permits it to continue to provide enhanced payment services and innovative solutions to the general public. 

Commenting on the occasion, the General Manager of Hubtel, Ernest Apenteng, said, “We are indeed happy to receive our final operating license from the Bank of Ghana. For us this occasion is a major comfort and milestone for the leadership at Hubtel. It also shows our commitment and belief in Ghana’s emerging digital economy. Our clients, customers, partners and indeed our regulators should trust, and rest assured, that Hubtel intends to remain compliant with all regulations that govern our operations, this already is, and will remain, a responsibility of all staff and stakeholders of Hubtel”  

In addition to the Bank of Ghana, Hubtel is notably licensed by the National Communications Authority, certified by the Data Protection Authority and is registered with the Financial Intelligence Centre. The company is also certified as compliant with Payment Card Industry Data Security Standards and ISO 27001 Information Security Management Standards. 

Kokomlemle, Accra –– Hubtel’s Non-Executive Director, Patience Akyianu has been named Outstanding Woman of the Decade at the just ended 12th Ghana Entrepreneur and Corporate Executive Awards 2022.

Patience, who is the Group CEO of Hollard, is a multiple award-winning business executive and leader. Patience Akyianu, during her 26 years career as a Finance professional and Banker, has been a recipient of series of awards and honours, which only speak to her competence and exemplary leadership. She won the African Female Business Leader of the Year Award in 2021, Marketing Woman of the Year in 2019, and Outstanding Group CEO of the Year- 2019.

CEO of Hubtel, Alex Bram in a congratulatory message, said, “for us, we are very proud to have Patience at Hubtel. She brings a wealth of experience and quality leadership that guides the progress of the company. We congratulate Patience for her exemplary and visionary leadership”

Patience is well-known for her outstanding ability to lead and execute. She previously served as Managing Director of Barclays Bank Ghana (now Absa Bank) for 5 years where she built a high performing and more diverse leadership team. Prior to that, she was the Finance Director of Barclays Bank Ghana. Under her strong leadership, the performance of the bank consistently exceeded expectations, culminating in its position as the most profitable bank in Ghana.

Congratulations to her, for yet another sterling achievement. Hubtel wishes her continued success.

Kokomlemle–Accra, March 2022: In the latest version of its product upgrades, Ghana’s leading name in bulk SMS messaging, Hubtel, has released features to enable users collect payment and send money to as many contacts at the same time via SMS.

Head of Product at Hubtel, Patrick Asare-Frimpong, announcing this update, said, “In Ghana, mobile money and bank accounts are the most common ways to send and receive money. This primarily serves person-to-person payments, but for businesses who need to collect payment from many people at the same time, such as schools, churches, estate managers, and alumni groups, taking payments to a mobile money number often creates some problems. It can be very time-consuming and hard to track who has paid from who hasn’t.”

“We have solved this problem by upgrading our bulk SMS messaging to make it simple for anyone who needs to collect payments from many people to simply alert them via SMS to pay. Each SMS has a unique code and a payment link to pay for any amount. This new update will save our users a lot of time chasing many people to make payments. It’s perfect schools, churches, associations, social media groups, estate managers and businesses in general”, he added.

In addition to taking payments from many people via SMS, users can also send money to as many contacts with a unique withdrawal code to withdraw the money instantly to any mobile money wallet or bank account. This feature is most ideal for user such as event planners, who work with various vendors and suppliers when managing an event. When sending money, the event planner can simply assign specific amounts to send to different mobile numbers in a contact list.

In a demonstration of the feature, Patrick Asare-Frimpong, guided some users and said, “using SMS & Money to send, collect and track payments is just as easy as sending a bulk SMS in five simple steps.  

1. Prepare your contact data in Microsoft Excel* 

2. Upload your excel file and compose SMS. Personalize your message with unique data of each person (for example, name, contribution type, amount to pay) 

3. Set payment features: choose to allow or disallow payment in instalment 

4. Send SMS at the lowest rate of 2p (GHS 0.02) per message 

5. Track who has paid and remind those who haven’t  

Hubtel SMS & Money – How to send SMS to alert unlimited contacts and collect/send payments

Hubtel is the world’s first messaging technology platform to offer this kind of service. The company’s primary mission since its inception in 2005 has been to make it easier for businesses to connect with their customer.

According to 2021 data from the Bank of Ghana and the Ghana Interbank Payment & Settlement Systems, Hubtel currently processes nearly 8.3% of all successful mobile money payments in Ghana. With the introduction of this feature, the company will be looking forward to a significant increase in its transaction volumes.

The update is available on both the Hubtel mobile app o iOS and Android, and online via www.hubtel.com/bulk-sms-ghana/

Latest Updates on Your Messaging Account…

The final phase of the migration of your existing Messaging version to the newly upgraded Direct Gateway Messaging Service will happen on Sunday, 1^st May, 2022.

Access Ghana’s first-ever Direct Gateway Messaging Service that allows you to:

• Choose your preferred SMS cost and delivery gateway.

• Upload and send messages to 10 million contacts or more…

• Pause and play your SMS campaigns as you wish.

• Switch between delivery gateways as desired.

• Monitor your SMS delivery performance in real time with an all new live reporting feature.

Enjoy better pricing offers for campaigns of all sizes that beats the competition!

Experience the latest Messaging version

Ghana’s leading indigenous technology company, Hubtel has completed an interior design makeover of its head offices in Kokomlemle, Accra.

In a tweet to announce the completion and re-opening, the company proudly announced that “We’ve completed a makeover of our Accra offices. A creative work environment always inspires great user care experiences”.

In addition to the most modern and appealing looks, the improvement to its working spaces has also enabled the company to meet several regulatory and international certification requirements as a Payment Services Provider.

As part of the facelift, several improvements have been made to the floor plans, making room for workspaces such as offices for operations staff, staff lounge, conference rooms, collaboration rooms, a media room, a games room, a gym, kitchenettes and a cafeteria with a bar.

In an internal communication to staff, the company’s Facility Manager, Mr. Henry Armah, stated that it is the aim of the management of the company to ensure a serene, functional, and practical space for all teams, saying “… the core of our business operations revolves around creativity and innovation that benefits customers, so the improved working environment provides us all with the peace of mind and creative flexibility we need to perform more efficiently and productively.”

In an interview, Mr. Armah also said that, “the recent pandemic has altered our way of work in so many ways. The positive fallout of this is that our facilities have had to be able to support work from home as well as work from the office. We believe this makeover gives us a working space that is fit for both.” 

He continued that, “for starters our new spaces support hot-desking very well, and operates as a mini tech campus – very similar to what you will find in the developed markets such as Silicon Valley, etc. The office is also acoustically improved to handle noise and echo-cancellation, so that staff working via video calls are able to have a better sound quality experience.” 

With the photos and videos shared, Hubtel offices have become arguably the largest and most functional office spaces among all the local technology start-ups operating in Ghana.

Kokomlemle, Accra. January 27, 2022 –– Jonathan Ansah has joined Hubtel as the company’s new Chief Financial Officer.

Jonathan has 20 years of experience spanning five industries, with a proven track record of delivering profitable growth for businesses. His previous roles demonstrate his expertise in business restructuring, financial engineering, and operational efficiencies.

He is a certified Chartered Accountant with extensive auditing experience. He has worked with the global auditing firm Deloitte––Ghana and served as Audit Director at the National Lottery Authority. His seven-year tenure as Finance Director at Cadbury Ghana is highlighted by his leadership of the financial and business strategic planning process, which resulted in the company turning around in two years with positive cashflows and shareholder investment.

Before joining Hubtel, he served as the Chief Commercial Officer of the Ghana Post Company Limited, leading the organization to create its first commercial division since its inception. During this period, he also led the development of e-Commerce, e-Services, and Financial Services expansion strategies, resulting in $5 million in World Bank support. Two banks joined forces under his leadership to form the Post Bank (Agency Banking).

As CFO, Jonathan will lead Hubtel’s finance strategy and be responsible for the accounting, treasury, financial planning and analysis, tax, in business plans, strategies, capitalisation and investor relations of the company.

Jonathan holds a Master of Business Administration degree in Finance from the prestigious University of Ghana Business School, with an ACCA professional certification from the Emile Woolf College in London, United Kingdom.

He is passionate about driving business performance, including transformation, revenue. optimization, efficient business processes, internal controls to ensure business growth and continuity.

Kokomlemle, Accra, Ghana. Thursday, 20th January 2022: Board of Directors and management staff of Hubtel undertook anti-money laundering compliance training in accordance with its regulatory obligations under the Anti-Money Laundering Act, 2020 (Act 1044).   

In addition to meeting the company’s regulatory obligations, the training was also crucial to raise awareness of the negative impact of money laundering and terrorist financing on society, the economy, the organization, our customers, and employees.

Hubtel recognizes the risk that financial companies are exposed to, such as terrorist financing. The Anti-Money Laundering procedures will provide a guide to protect the vulnerability of our industry by facilitating accurate and reliable KYC. We believe that investing in such compliance is a good investment in our customers’ trust and loyalty, which are values that we cherish.

The e-Crime Bureau and officers of the Financial Intelligence Centre (FIC) led the team through a three-part session to cover various important topics. e-Crime Bureau is a cybersecurity and investigations firm that has provided unparalleled cyber security, digital forensics training, capacity building, and other investigation-related consultancy services to organizations in various sectors since 2011.

Some of the areas highlighted include:  

• Overview of Anti-Money Laundering and Terrorist Financing  
• Situational Analysis of Money Laundering – Ghana in Perspective  
• Money laundering risks associated with fintech  
• Know Your Customer Procedures & Best Practices  
• Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)  
• Risked-based approach to Anti-Money Laundering / CFT for Fintech  
• Transaction Monitoring in Fintech 
• AML / CFT in Ghana –– Legal & Regulatory Framework  
• Sanctions for AML Compliance Breaches  
• Anti-Money Laundering Reporting (Suspicious Transactions Report [STRs] 
• AML Data Solutions for Fintech 

On behalf of the board of directors and management staff, Cornelis Rouloph Otoo, Head of Legal and Corporate Affairs, pledged the company’s continued commitment to staying compliant and continually engaging regulatory agencies to safeguard the security of the company, its customers, and the economy at large. 

With an increasing number of financial terrorism cases in our society, financial institutions must be well-equipped with the necessary resources to mitigate the economic impact.

We are increasingly looking for long-term relationships with compliance institutions and professionals so that our team can provide solutions to any new and unexpected demand for checks or related services. 

CEO of Hubtel, Alex Bram has won the award for Tech and Innovation in the year 2021 at the maiden Ghanaweb Excellence Awards. 

Alex beat four very tough competitors in that category to emerge the winner of this well-deserved award. The four were no less a person than Ghana’s digital economy champion, Vice President Mahamudu Bawumia, Zeepay CEO, Andrew Takyi Appiah, Co-Founder of Softribe, Herman Chinery Hesse, and Executive Director of Temple, Kodjo Hesse.

There were seventeen categories of awards, and each category had five very worthy nominees, making a win really tough. Alex is therefore one of the very deserving 17 persons rewarded on the night.

Alex Bram

Alex Bram, co-founded Hubtel on 12th May, 2005 – the very last school day at the Kwame Nkrumah University of Science and Technology (Kumasi), where he graduated with a BSc, in Chemistry.

He leads the overall development and execution of Hubtel’s long-term strategy, drives the company’s vision, implements the processes, and creates the order that enables Hubtel teams to bring their best features to life.

Alex Bram is a deliberate and methodical, action-oriented leader with fierce resolve. He is a graduate of the Stanford Graduate School of Business (Executive Education).

FIN Awards

Recently, he was adjudged eCommerce Personality of the Year at the maiden FIN Awards as part of the first-ever African Cashless Payments Systems Conference in Accra.

On that occasion, Hubtel, which is Ghana’s leading messaging, payments, and  eCommerce provider, also picked up the Digital Company of the Year award.

Hubtel, under the leadership of Alex Bram, won that award for its continuous contribution to the country’s digitalization, and particularly for its key role in the design and deployment of the Ghana.gov platform, together with two other local Fintechs, IT Consortium, and ExpressPay.

Indeed the Ghana.gov platform, which has, as of mid-November, raised over GHS35 billion for the government, was also adjudged The Cashless Policy of the Year on the night.

The company was also the first private sector firm to start the process of democratizing Ghana’s GHQR by starting a platform called myghqr.com, which allows both bank app and mobile money wallet users to sign on to the GHQR platform and make and accept payments via the same.

Hubtel has positioned itself as a very useful companion for mobile users, just as it has done with its transformational work in pioneering mobile airtime content services, fintech, and bulk SMS messaging.

It has been a digital finance, eCommerce, and bulk messaging champion operating mainly in Accra, Tema, and Kumasi in the Ashanti Region, and has just started services at Sekondi-Takoradi in the Western Region.

When Covid-19 hit Ghana last year, Hubtel stepped up to the plate and boosted its eCommerce offering, which provided a very convenient avenue for customers to shop for food and other items online from the comfort of their homes and offices at affordable rates.

Hubtel also reduced its transaction fees on the Hubtel e-wallet to the barest minimum, making it even more affordable for customers to transact with their wallets.

Hubtel is Ghana’s first tech company to become a member of the globally acclaimed Pledge 1% in 2017.

Ghana’s leading messaging, payments and  eCommerce provider, Hubtel, has extended its operations to the residents of the twin cities of Takoradi and Sekondi.

This follows the company’s successful launch in the Ashanti Regional capital of Kumasi in June 2021, and brings the number of cities it operates in to 4; Accra, Tema, Kumasi and now Takoradi.

In an interview, Hubtel’s Head of Commercial and New Markets, Eric Akoto, revealed that “Sekondi-Takoradi was a very obvious choice for us. The city here has been growing very well in the past years. The city has a good vibe with a growing urban population and increasing number of retail businesses.”

Hubtel operates with the approval and regulatory supervision of the Bank of Ghana as an Enhanced Payment Service Provider and was recommended for a national award for it’s role in the digitization of Government of Ghana payment services through the Ghana.GOV payment platform.  Hubtel’s mobile app has become a very useful companion for mobile users, helping residents in its operating cities find and buy essential items and services from nearby retailers and providers. 

The Hubtel smartphone app will allow users in Takoradi and Sekondi to order food from restaurants and local eateries, track delivery and receive real-time notifications from the time an order is prepared, picked up and delivered to the customer’s door. The Hubtel app also has features for users to instantly top up internet data, buy airtime, send money to all bank accounts, and pay for services with any mobile money or bank card.

“We have all become used to walking into stores to pick up everyday things that we need. That same experience is now available on our smartphones. So we can stay at home, connect to any store or restaurant within our city, order anything on our phones and receive it within a short time. Hubtel’s smartphone app and website is freeing us up to be more productive on other activities.” Eric observed.

He further added that, “…as a regulated payment service provider, Hubtel operates a 100% money-back quarantee on all purchases should anything go wrong. Our commitment to customer satisfaction is a foundational part of our service. If you buy anything on Hubtel, and you’re not satisfied with our service we give you all of your money back without any questions.”

On his part, the CEO of Hubtel,  Alex Bram also urged retailers to boldly embrace the changing shopping landscape by getting their inventory onto Hubtel. “If you run any retail business such as a supermarket, restaurant or operate a service, your customers are becoming more and more digital, so it’s time to fit  your store into that new lifestyle that is developing so fast.”   

As a welcome bonus first shoppers will be enjoying up to 50% discount on food and selected items from Takoradi’s favorite restaurants and shops. Along with exciting give-aways on cash and free delivery coupons, residents of Takoradi and Sekondi will be treated to lower-fee and faster deliveries on all orders.

The Hubtel mobile app is available on all Android, iOS and Huawei phones via their respective app stores. Shoppers can also visit www.hubtel.com or access it via the new Marketplace feature on the GhanaPost GPS mobile app.  

Ghana’s leading messaging, payments, and  eCommerce provider, Hubtel, has picked up two top industry awards at the maiden Foreign Investment Network (FIN) Cashless Awards in Accra. 

Hubtel was adjudged the Digital Company of the Year, and the CEO of the company, Alex Bram also walked away with the eCommerce Personality of the Year award.

In all, there were 46 awards won by more than 30 individuals and organizations mainly in the areas of digital technology, cashless payments, IT, regulation, and business leadership in general.

The awards formed part of the maiden Africa Cashless Payment Systems (ACPS) Conference, which saw industry players from various parts of the continent discussing how Africa can bridge borders via digitalization and facilitate intra-continental trade within the context of the Africa Continental Free Trade Area (AfCFTA).

Hubtel was adjudged digital company of the year for its continuous contribution to the country’s digitalization, and particularly for its key role in the design and deployment of the Ghana.gov platform, together with two other local Fintechs; IT Consortium and ExpressPay.

Indeed the Ghana.gov platform, which has, as of mid-November, raised over GHS35 billion for the government, was also adjudged The Cashless Policy of the Year on the night.

Hubtel has positioned itself as a very useful companion for mobile users, just as it has done with its transformational work in pioneering mobile airtime content services, fintech, and bulk SMS messaging.

It has been a digital finance, eCommerce, and bulk messaging champion operating mainly in Accra, Tema, and Kumasi in the Ashanti Region, and has just started services at Sekondi-Takoradi in the Western Region.

When Covid-19 hit Ghana last year, Hubtel stepped up to the plate and boosted its eCommerce offering, which provided a very convenient avenue for customers to shop for food and other items online from the comfort of their homes and offices at affordable rates.

Hubtel also reduced its transaction fees on the Hubtel e-wallet to the barest minimum, making it even more affordable for customers to transact with their wallets.

Hubtel is Ghana’s first tech company to become a member of the globally acclaimed Pledge 1% in 2017.

Alex Bram

The CEO of the company, Alex Bram, co-founded Hubtel on 12th May 2005 – the very last school day at the Kwame Nkrumah University of Science and Technology (Kumasi), where he graduated with a BSc, in Chemistry.

He leads the overall development and execution of Hubtel’s long-term strategy, drives the company’s vision, implements the processes, and creates the order that enables Hubtel teams to bring their best features to life.

Alex Bram is a deliberate and methodical, action-oriented leader with fierce resolve. He is a graduate of the Stanford Graduate School of Business (Executive Education).

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