Reserve & Pay
Reserve a product with a deposit today, then pay the rest in 4 weekly payments. There is no interest, and you don't need an account.
What you need
A phone number you can be reached on, and a Mobile Money wallet (MTN, Telecel or AT) or a Visa/Mastercard for the deposit and weekly payments.
Prefer to watch? Watch the video guide or download this guide as a PDF.
How it works
- Choose your deposit: 30%, 40%, 50% or 60% of the price. A bigger deposit means smaller weekly payments.
- Pay the deposit by Mobile Money or card. Once it clears, the product is reserved for you at today's price.
- Make 4 weekly payments. We send an SMS reminder before each due date.
- Receive your product. When the last payment lands, your order is created and prepared for pickup or delivery.
Step by step
- Open a product and find the Reserve & Pay Available! box. It shows the minimum deposit and the weekly payment for that product.
- Tap Reserve & Pay.
- Choose your deposit: 30%, 40%, 50% or 60%. The payment breakdown shows the deposit due today and each weekly payment.
- Enter your full name and phone number (both required). You'll use the phone number with your plan number to track payments.
- Add your email (optional) to get your plan details and reminders by email.
- Read and tick the terms (see below), then tap Proceed to Pay.
- Note your plan number: it starts with IP-. Then tap Pay and approve with your Mobile Money PIN. Your product is reserved once the deposit is paid.
- Pay each week from the Reserve & Pay link in the menu. See tracking your plan.
Pay early, earn a bonus
Finish your plan early and earn a bonus:
| Plan fully paid within | Bonus |
|---|---|
| 1 week | GH₵100 |
| 2 weeks | GH₵80 |
| 3 weeks | GH₵60 |
| 4 weeks (on time) | GH₵50 |
A plan that gets a late fee doesn't earn a bonus.
The terms
- Payment period: 4 weeks from your deposit.
- Grace period: if the 4 weeks pass without full payment, you have 3 more days to pay.
- Late fee: GH₵50 is added once if your plan goes past the 4 weeks.
- Cancellation: if the grace period ends without full payment, the plan is cancelled automatically and the product is released. You get 80% of what you paid back.
If you can't keep up with payments, talk to us early on WhatsApp.