Phone financing built for Ghanaian retailers

Sell smartphones on flexible plans without losing control.

Phonix Pay helps merchants onboard customers, collect installment payments, and protect financed devices with managed device controls until the contract is complete.

Find an approved retailer Open admin dashboard

Secure contracts, payment reminders, and device-owner controls in one workflow.

Retail-readyFast customer onboarding DPC controlsProtection until final payment Live collectionsPayment and lock visibility
Retailer helping a customer choose a smartphone
Approved retailer
Installment plan GHS 13/day Customer stays informed

How it works

  1. Create the contract

    Capture customer, device, pricing, payment cycle, and consent documents.

  2. Enroll the phone

    Install Phonix Pay as device owner and link the device to the active contract.

  3. Collect and monitor

    Track payments, warnings, locks, relief actions, and completion from the dashboard.

For retailers

More sales, clearer collections, stronger device protection.

Operational dashboard

Manage customers, contracts, payments, devices, and reports from one place.

Device controls

Protect financed phones with payment warnings, lock policies, and release states.

Contract records

Keep signed agreements, customer details, payment schedules, and device proof together.

Built for repeat work

Everything staff need at handoff.

  • QR provisioning and APK vault support
  • Installment schedules and payment reminders
  • DPC telemetry and lock-state visibility
  • Customer-facing support and payment history

Phone brands

Designed for everyday smartphones.

TecnoPopular retail models
SamsungAndroid device-owner flow
InfinixInstallment friendly
RealmeRetail-ready support
Other devicesSubject to policy support

FAQ

Common questions.

Get started

Find a retailer or ask to onboard your store.

Tell us where you are and the phone brands you sell or want to buy. The team can point you to an approved retailer or help your store get started.