About
Motito is a Ghanaian pay-small-small instalment service run by Motito Ltd and operating within the Bank of Ghana regulatory sandbox. Shoppers choose a phone, laptop, fridge, motorbike or other item from partner retailers such as Electroland and Xiaomi Ghana, then set a daily, weekly or monthly plan paid from MTN MoMo or Telecel Cash, with auto-debit available. Plans start from GHS 50, the total cost is shown upfront with no interest, and the price is locked from day one. Unlike checkout BNPL, the item is normally collected once the plan is complete, though customers with a good RepScore can collect early after paying 60%. As of 2026 Motito's website says more than 10,000 Ghanaians use it.
Official site →Countries
