PolyTopUp is a Ghanaian platform for buying airtime, data bundles and — soon — paying bills. We connect MTN, Telecel and AirtelTigo customers directly to their network, so a top-up lands on the recipient's phone in seconds without any app to install.
Data and airtime work on MTN, Telecel (formerly Vodafone) and AirtelTigo. Bill payments launching soon will cover ECG, Ghana Water, DStv, GOtv and more.
No. You can buy as a guest with MoMo or card. Creating a free account unlocks the wallet (faster checkout), order history, email receipts and cashback rewards when they go live.
Yes — the platform runs 24 hours a day, 7 days a week, including holidays. If the network itself goes down, we'll show that clearly on the track order page.
Airtime is usually instant. Data bundles go through the supplier's batch scanner and typically land within minutes. You can watch the live status on the track order page.
Open the track order page and search for the recipient's phone number. You'll see exactly which stage the order is at. If it stays pending for more than 30 minutes, our scanner automatically flags it for review and you'll get a refund.
No. Every data bundle we sell is non-expiry — it stays on the recipient's phone until it's used. There's no 24-hour timer like some other bundles.
Yes. Pick the correct network for the recipient (MTN, Telecel or AirtelTigo), enter their number, and the top-up goes to them. You can pay from any MoMo wallet or card.
Not yet — every order ships immediately. Scheduled top-ups are on the roadmap.
One bundle per checkout. If you need several, just run through checkout again — the whole flow takes under a minute.
We pre-fund our supplier wallet so deliveries are instant. When the float runs low for a specific bundle, we mark it unavailable rather than let you buy something that might get refunded. It typically comes back within minutes of the next top-up.
Mobile Money (MTN MoMo, Telecel Cash, AirtelTigo Money) and Visa/Mastercard — all processed by Paystack, Ghana's largest payment gateway. Registered users can also pay from their PolyTopUp wallet.
Yes. All card and MoMo details are handled by Paystack — we never see or store your full card number or MoMo PIN. Every transaction is encrypted end-to-end.
No. The price you see at checkout is the price you pay. There's a small service fee built into airtime (3% of face value) which is shown upfront — nothing is added after you click pay.
Usually one of four reasons: insufficient balance on the payer's MoMo wallet, wrong PIN entered, the payment prompt timed out, or the network was temporarily unavailable. Try again — you won't be charged for a declined transaction.
Yes. When paying with MoMo, you can choose "Pay from a different number" and enter any Ghanaian number that supports MoMo. The prompt goes to that phone, not the recipient's.
Yes, as long as the card is enabled for international transactions and supports 3D Secure. Cards issued in Ghana work out of the box.
A prepaid balance on your account. Fund it once with MoMo or card, then every top-up is a one-click deduction — no payment prompts, no waiting for OTPs. Perfect if you buy for the same numbers regularly.
Log in and click "Activate" when you see the wallet banner. You'll be asked to accept the Wallet Policy — a few seconds, done. Activation is free.
From your dashboard, click "Add Funds". Enter the amount, pay with MoMo or card, and the balance lands in your wallet within seconds.
Wallet balance is meant for purchases on PolyTopUp and isn't cash-refundable. If you want a full withdrawal, contact support from the contact page — we handle it case by case.
Nothing — the balance stays in your wallet until you spend it. After 12 months of no activity, the wallet is marked dormant but the balance is untouched. Log in and make one purchase to reactivate.
Not currently. You can only use your wallet for purchases on your own account.
Your money is refunded automatically — back to your wallet (if you paid from wallet) or your card/MoMo (if you paid directly). Timing depends on how you paid — see the refund timing answer in this section.
Unfortunately, no. Once a top-up is delivered to a phone number, it can't be reversed. Please double-check the recipient number before confirming — the checkout screen shows it one last time for exactly this reason.
Wallet refunds are instant. Card refunds take 3–7 business days depending on your bank. MoMo refunds are usually same-day but can take up to 72 hours.
Go to the track order page, search for the recipient number, and if the order still shows as pending after 30 minutes, contact us from the contact page with your order reference. We respond within 24 hours.
Duplicate charges almost never happen — Paystack processes each reference exactly once. If you see two line items in your bank or MoMo statement, contact support with both reference numbers and we'll investigate immediately.
Go to the login page and click "Forgot password". Enter the email you signed up with — we'll send a link to reset it. The link is valid for 60 minutes.
Yes. Enable 2FA from Account Settings. We support any authenticator app (Google Authenticator, Authy, 1Password, etc.). Recovery codes are provided at setup — save them somewhere safe.
Yes. Click "Continue with Google" on the login or register page. We only read your name and email address.
Contact support from the contact page with the email on your account. We'll process deletion within 7 days. Any remaining wallet balance is returned to your MoMo.
Check the email you entered at checkout — we send a link to set a password and claim the order. The link is valid for 30 days. If you didn't receive it, contact support and we'll resend.
Yes. Our reseller programme gives you a fully branded website — your logo, your domain, your prices. We handle the supplier, uptime and settlements; you keep the profit.
Pricing depends on the plan you choose — from starter sites to full white-label deployments. Head to the contact page and tell us your name, current business if any, and expected volume — we'll send you the right tier.
Yes — you choose the domain, we deploy a branded PolyTopUp instance configured with your logo, colours and pricing. Settlements land in your MoMo automatically.
Most stores go live within 48 hours of our onboarding call. You'll be selling before the weekend.
Still stuck?
Our team replies within 24 hours — Mon–Fri, 8 AM–8 PM GMT.
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