Platform-as-API · Internal Analytics

Payments

Collections, channels, and transaction health.

Total Collections

GHS 90,284,395.00

+18% vs prev period

Transaction Count

606.6K

+5% vs prev

Success Rate

93%

Channels

11

Collections by Channel

Pay Small Small

GHS 15,638,658.0017.3%

AT

GHS 13,523,431.0015.0%

Refund and Reward

GHS 12,048,789.0013.3%

Pay at Bank

GHS 9,659,498.0010.7%

GhQR

GHS 8,680,896.009.6%

Telecel

GHS 6,940,858.007.7%

MTN MoMo

GHS 6,382,373.007.1%

Zeepay

GHS 4,867,122.005.4%

Card

GHS 4,626,925.005.1%

G-Money

GHS 4,111,198.004.6%

Bank

GHS 3,804,647.004.2%

Channel Detail

Channel	Collections	% of Collections	Transaction Count	% of Txn Count	Success	Fail	Rate
Pay Small Small	GHS 15,638,658.00	17.3%	68.6K	11.3%	64.4K	4.1K	94.0%
AT Money	GHS 13,523,431.00	15.0%	78.5K	12.9%	73.9K	4.6K	94.2%
Refund and Reward	GHS 12,048,789.00	13.3%	55.4K	9.1%	49.4K	6.1K	89.0%
Pay at Bank	GHS 9,659,498.00	10.7%	68.2K	11.2%	64.4K	3.9K	94.3%
GhQR	GHS 8,680,896.00	9.6%	48.9K	8.1%	44.5K	4.4K	90.9%
Telecel Cash	GHS 6,940,858.00	7.7%	51.9K	8.5%	49.8K	2.0K	96.1%
MTN Mobile Money	GHS 6,382,373.00	7.1%	81.8K	13.5%	78.8K	3.0K	96.3%
Zeepay	GHS 4,867,122.00	5.4%	36.3K	6.0%	32.2K	4.1K	88.6%
Card	GHS 4,626,925.00	5.1%	40.1K	6.6%	35.3K	4.8K	88.1%
G-Money	GHS 4,111,198.00	4.6%	31.2K	5.1%	28.3K	2.9K	90.7%
Bank Transfer	GHS 3,804,647.00	4.2%	45.7K	7.5%	42.6K	3.1K	93.2%

Failure Reasons

Top 3 per channel — hover for detail.

Pay Small Small

4.1K failed

Network error1.2K29%

Insufficient funds501%

User cancelled3338%

AT

4.6K failed

Daily limit exceeded74116%

Issuer timeout3177%

Duplicate reference76017%

Refund and Reward

6.1K failed

User cancelled74512%

Daily limit exceeded91515%

Duplicate reference1.1K18%

Pay at Bank

3.9K failed

Issuer timeout2206%

Duplicate reference99826%

Network error55014%

GhQR

4.4K failed

User cancelled54912%

Daily limit exceeded67115%

Network error64615%

Telecel

2.0K failed

User cancelled23111%

Insufficient funds643%

Duplicate reference35317%

MTN MoMo

3.0K failed

Duplicate reference89930%

Invalid account52618%

Issuer timeout1555%

Zeepay

4.1K failed

User cancelled53013%

Invalid account64015%

Duplicate reference74818%

Card

4.8K failed

Issuer timeout3437%

User cancelled53211%

Network error71815%

G-Money

2.9K failed

User cancelled33712%

Daily limit exceeded42215%

Network error41114%

Bank

3.1K failed

Issuer timeout2659%

Insufficient funds321%

Invalid account38713%

Debit Authorisation

Billing service notifications, interactions, and payment conversions.

Billing Service Funnel

+4% notifications vs prev+30% payments vs prev

Transactions pushed to billing service

23.0M

Bill notifications pushed to the Hubtel App

539.9K

Bill notifications interacted with on Hubtel App

0.34% of notifications

1.8K

Successful payments from interactions

0.11% of notifications · 31.7% of interactions

582

Failed payments from interactions

1.1K

Successful Payments per Channel

582 total successful payments.

Channel	Count	Percentage
MTN	232	39.86%
Telecel	145	24.91%
Visa	103	17.70%
Mastercard	62	10.65%
Hubtel wallet	40	6.87%
Total	582	100%

Invoices

Invoice lifecycle, collections, and business activity.

Total Collections (Invoicing)

GHS 42,594,136.00

+17% vs prev period

Transaction Count

299.5K

Invoices Created

641.8K

+8% vs prev

Fully Paid Rate

48%

Businesses

24.4K

Invoice Lifecycle

641.8K invoices

432.6Kwith payment

Paid in full

309.1K48.2%

Partially paid

95.3K14.8%

Overpaid

28.2K4.4%

Unpaid

144.6K22.5%

Cancelled

20.6K3.2%

Overdue

44.0K6.9%

Collections by Payment Channel

Channel	Collections	% of Collections	Transaction Count	% of Txn Count
MTN Mobile Money	GHS 10,141,110.00	23.8%	48.8K	16.3%
Pay Small Small	GHS 7,833,340.00	18.4%	37.8K	12.6%
Refund and Reward	GHS 6,599,888.00	15.5%	33.8K	11.3%
GhQR	GHS 5,628,928.00	13.2%	28.7K	9.6%
Bank Transfer	GHS 2,987,533.00	7.0%	22.2K	7.4%
AT Money	GHS 2,297,388.00	5.4%	42.6K	14.2%
Pay at Bank	GHS 1,942,703.00	4.6%	11.5K	3.8%
Card	GHS 1,569,081.00	3.7%	12.5K	4.2%
Telecel Cash	GHS 1,504,538.00	3.5%	27.6K	9.2%
Zeepay	GHS 1,315,134.00	3.1%	17.3K	5.8%
G-Money	GHS 774,493.00	1.8%	16.6K	5.6%

Top 15 of 24.4K Businesses

Fully paid Partially paid Overpaid Unpaid Cancelled Overdue

#	Business	Collections	Transaction Count	Invoices	Lifecycle
1	ECG	GHS 8,163,933.00	810	1.0K	397 paid88 partial410 unpaid108 overdue
2	AMA	GHS 6,470,271.00	288	1.9K	1022 paid138 partial499 unpaid212 overdue
3	MDS-Lancet Laboratories	GHS 6,148,099.00	1.8K	936	540 paid79 partial148 unpaid130 overdue
4	Star Oil Limited	GHS 5,857,577.00	96	474	247 paid48 partial129 unpaid36 overdue
5	GOIL	GHS 5,519,519.00	1.4K	411	228 paid39 partial80 unpaid39 overdue
6	Star Assurance	GHS 4,208,843.00	2.0K	432	255 paid26 partial54 unpaid63 overdue
7	Centre for Entrepreneurship, Philanthropy & Ethics	GHS 3,999,037.00	577	781	383 paid88 partial219 unpaid55 overdue
8	Polished Chic	GHS 2,989,105.00	410	602	387 paid84 partial62 unpaid56 overdue
9	Melcom	GHS 2,606,241.00	2.0K	976	310 paid110 partial407 unpaid88 overdue
10	American Brand Mall	GHS 2,541,995.00	117	832	340 paid124 partial306 unpaid44 overdue
11	Northway Commerce Hub	GHS 2,283,397.00	1.8K	524	259 paid58 partial88 unpaid89 overdue
12	Pâte à Choux	GHS 2,102,328.00	189	637	243 paid94 partial214 unpaid51 overdue
13	Manbah Gas Company Ltd	GHS 2,028,453.00	1.7K	1.3K	807 paid178 partial124 unpaid100 overdue
14	Nova	GHS 611,677.00	167	82	51 paid6 partial10 unpaid9 overdue
15	Friendly Mall	GHS 473,613.00	468	201	76 paid30 partial60 unpaid31 overdue

Collections by Platform

Platform	Collections	Transaction Count	Successful	Failed	Rate
Hubtel app	GHS 24,268,593.00	170.6K	145.4K	25.3K	85.2%
ghcustomers.com	GHS 11,294,264.00	79.4K	74.9K	4.5K	94.3%
approval.biz	GHS 7,031,279.00	49.4K	42.0K	7.4K	85.0%

Payroll

Disbursements, approvals, and compensation breakdown.

Total Disbursement

GHS 13,974,550.00

-7% vs prev period

Active Merchants

711

of 1.0K total

Employees

537.9K

+15% vs prev40.8K new

Success Rate

97%

Payroll Runs

3.1K

2.8K approved

Employee Onboarding

How 537.9K employees were added.

Single Entry

200.8K

Bulk Upload

337.1K

Single vs. bulk63% bulk

Single Bulk

Disbursements by Destination

Destination	Amount	Transaction Count	Successful	Failed	Rate
Mobile Money	GHS 7,254,923.00	67.2K	64.4K	2.7K	95.9%
Bank	GHS 6,719,627.00	70.7K	68.8K	1.9K	97.4%

Transaction Outcomes

140.6K total

Successful

133.3K

Failed

4.6K

GHS 107,431.00

Pending

2.8K

Success Rate

96.7%

Top Failure Reasons

Invalid account

1.2K40%

Duplicate reference

1.2K41%

Issuer timeout

2709%

Daily limit exceeded

30510%

Approval Flow

Submitted

3.1K

Approved

2.8K

Rejected

194

Pending

80

Avg Approval

2.6h

Compensation Breakdown

GHS 13,974,550.00

Base Salary

GHS 10,783,048.00

77.2%

Allowances

GHS 1,711,457.00

12.2%

SSNIT Tier 1

GHS 880,239.00

6.3%

SSNIT Tier 2

GHS 599,806.00

4.3%