On any given day, hundreds of thousands of Ghanaians run businesses from their personal WhatsApp accounts. They post product photos to their status, answer questions in their DMs, confirm orders through voice notes and send customers their personal MoMo numbers to collect payment.

It works. But only just.

For many sellers, the process comes with a hidden cost in time, energy and missed sales—one that has become so routine it is simply treated as part of doing business.

Ask a clothing seller in Accra how many “how much?” messages she answers in a day and the number is often in the dozens. Ask how she keeps track of which orders have been paid for and which have not, and the answer is usually some combination of screenshots, a notebook and memory. Ask whether she has ever lost track of an order or sent out a product before confirming payment, and she will probably laugh.

This is the problem StashUp Kiosk is built around: not convincing informal sellers to move online, but giving the businesses already operating on WhatsApp a more structured way to sell.

The product, built by Accra-based fintech Zongo Technologies, lets sellers create a digital storefront in minutes. They can upload products, add photos and prices, and generate a shareable link. That link can then be posted to a WhatsApp status, Instagram bio or Facebook page.

Customers who open it can browse the catalogue, select what they want and pay by mobile money. MTN MoMo, Telecel Cash and AirtelTigo are supported, and customers do not need to download an app.

For the seller, the bigger change happens behind the scenes. Orders and payments appear in one place, removing much of the manual work that comes with selling through chats: no screenshots to reconcile, no DMs to search through and less guesswork about what has been paid.

“We built Kiosk because we kept seeing the same thing,” says Gimbala Sankare, founder of Zongo Technologies. “Talented, hardworking sellers with real customer demand, managing their entire business through a platform that was never designed for commerce. We wanted to give them something proper.”

The service is free to open and free to list products. Zongo Technologies charges sellers a 1.5% transaction fee on completed sales, capped on larger transactions. There are no monthly subscription fees, setup costs or card machines.

The bet is that Ghana’s payment infrastructure has already done much of the work needed to make this model viable. What remains is making it easier for small sellers to plug into it.

Mobile money transactions reached 1.8 billion in a single month in late 2025, according to the Bank of Ghana, an 18% increase from a year earlier. Digital payments are now deeply embedded in everyday commerce. But for many informal businesses, the tools surrounding those payments remain fragmented: a product catalogue on WhatsApp, customer conversations in DMs and payment records scattered across screenshots and messages.

Kiosk is an attempt to bring those pieces together without asking sellers to build a website, pay a monthly fee or learn a new technical system.

Early merchants using the product say it has reduced the back-and-forth with customers and given them a clearer view of their daily sales. For businesses that have historically relied on memory and messaging apps to keep track of orders, that visibility can be as valuable as the storefront itself.

The product is part of Zongo Technologies’ broader financial-services offering, which also includes a personal finance app that lets users connect bank accounts and mobile money wallets, set budgets, track spending and split bills.

Together, the products point to a broader idea: that financial technology in Ghana may be most useful when it is built around the habits people already have, rather than asking them to adopt entirely new ones.

“We are not trying to be everything to everyone,” Sankare says. “We are trying to be exactly the right thing for Ghana. That is enough of a challenge and enough of an opportunity.”