
Company
Zoe is a Ghana company. We run Zoe, a creator store, and Zoe Pay, a payment API. Both collect MoMo and cards on the same rails.

GH₵ 76.70
You keep
Made in Accra
Work happens here. Live checkout is GH₵ only. We do not pretend to be a global HQ.
Two products, one ledger
Creators use Studio. Invited businesses keep /portal and /dashboard. Same OmniBsic rails.
What we will not write
Marketing stays inside facts we can defend on /trust and /partners.
Waitlist, not GMV
“Join 1,200 on the waitlist” is allowed. A fake 2.6M users line is not.
Demo stores only
/@ama-books, /@kojo-coaches, /@grace-chapel. Permissioned stories come later.

Partners from env
We name OmniBsic. We do not invent a KYC vendor or Nigerian PSP.
Phase 0 is open
DPC number, GRA ruling, and licence opinion stay unpublished until counsel files them.
Two desks
If you sell an ebook, start free. If you need POST /api/v1/payments on your own site, request access.

GH₵ 76.70
You keep

Accra
Read /trust for the short versions. Write from /contact if you need a person.
Instant MoMo
Available the same day.
3.5% + GH₵0.50
Free plan. No monthly fee.
No GH₵7
No extra withdrawal fee.

Showcase the work. Get paid on MoMo. Sell from one /@handle, send a portal invoice, run a membership, and track it all in one wallet. Free to start. One fee when a buyer pays.
Get Started