Standard, Scheduled or Instant Transfer

Your Money. Your Rules.

Transfer funds from your Hubtel account on your own terms. Starting Monday 18th November 2019, you will have the flexibility to pick and choose how you would like to transfer funds, based on your business needs with any of these settlement options:

Scheduled Settlement:

Set and save daily, weekly or monthly funds transfer to your mobile money or bank account for each branch of your business.

Instant Settlement:

Access day-to-day funds for your business without any hassle. Instantly transfer funds to your mobile money wallet directly using the Hubtel App.

Hubtel to Hubtel Account Settlements:

Settle payments to other businesses on Hubtel with ease. Transfer funds directly from your settlement account to other businesses on Hubtel.

Set Settlement Account Details on Multiple Branches

Track sales per branch. Set unique settlement details for each branch of your business. This could be the same bank account or mobile money wallet details.

October 2019 Product Update

Stock Adjustment. Services. Reporting.

See what’s new in this update:

Services

An entirely new Services page; redesigned and better organized so you shop and pay for everyday services with ease

Programmable Services

Allows developers to sell digital services; like airtime and data

Stock Adjustment

Track every single movement of your stock

Online Checkout Assistance

Instant support to quickly resolve any issues for customers during checkout

Download Reports

Request and track downloads of your sales report, funds transfer, and service debits

Hubtel Mobile App Updates

New features have been added to your Hubtel app. This requires that you update to the latest version. Older versions may not work as expected.

• Save order and pay later: Save items you want to buy while you continue shopping and pay when you’re ready.

• View all your receipts on Hubtel: Receipts of all your payments now shows in Stream.

• Support on the go: Report issues to our support desk directly on WhatsApp.

• Update card details: If you’ve got bank card(s) saved, you will need to complete the card details and save on the wallet page after the update. Your mobile money wallets will, however, work as usual.

Stock Adjustment

Manually reduce and increase your stock, as a result of any of the following reasons:

• Expiry 
• Theft/loss 
• Damaged  
• Returned  
• Recount 
• New Stock 

How does this work?
1. Select the product you wish to adjust stock on from the list of products on your Products & Services page. 
2. Tap the action icon, select Update Stock from the list of options to display a pop-up. 
3. Enter quantity to increase or decrease and save. 

Upcoming Features

• Create Your Own Messaging Plan: Schedule messages to be sent to your customers daily or weekly. Set up and save recurring campaigns for future use.

• Real-Time Messaging Reports: View real-time reports on the status of messages sent to your customers.

• Buy SMS Credits From Your Prepaid Balance: Top up your SMS Credits and purchase bundles from your existing Prepaid Balance.

The efficacy and profitability of Farming have become More Profitable Than Gold. Yes, you read that right, “Farming”.

Africa is changing and you need to be a part of this big dream that’s finally coming true!

Like Author, Samuel Amartey-Armah rightly puts it:

“What if I could teach you how to watch plants grow or livestock live with you while making money?”

A simple and but very profound question. The good news is, it’s a question that has been answered in his pioneer book “More Profitable Than Gold”

Food never goes out of fashion! This makes Agribusiness one of the best opportunities worldwide. Africa has a ready market and a high demand for agricultural produce. We currently spend billions of dollars every year to import grains, flour and all kinds of finished and semi-finished foods that can be produced locally.

As Africa’s economies continue to grow, the demand for raw materials will surely increase and create more interesting opportunities for agribusiness on the continent. This presents a huge opportunity for entrepreneurs who can provide cheaper and locally-grown alternatives to the food that Africa imports.

“More Profitable Than Gold seeks to help any serious-minded Agribusiness Entrepreneur start and run a successful Agribusiness with special focus on farming and be able to reap a relatively higher profitability than the average Gold business” – Samuel Amartey Armah

Agribusiness is very scalable. You can start with whatever you’ve got! Whether you own one plot of land or 10,000 hectares, agribusiness is one of few business opportunities that allows you to start on any scale, with whatever you have!

The opportunity to start small means that people with little capital can become part of Africa’s multi-billion dollar agribusiness industry. Because of the guaranteed demand for agricultural produce, that small vegetable or poultry farm in your backyard could just become a huge business tomorrow.

So, if you’re looking to start a business or invest in an industry that makes a significant social impact, provides jobs and creates sustainable wealth, More Profitable Than Gold is surely the way to go!

The potential of agribusiness in Africa is not just promising but immensely profitable. If would like to explore it much further, we have just the right resource for you!

5 Schools in Accra Receive ICT Equipment from Hubtel 

Hubtel, Ghana’s leading bulk messaging and e-commerce platform provider, has donated ICT equipment to 5 schools in the Greater Accra Region as part of the company’s social responsibility commitments. 

Hubtel is Ghana’s first tech company to become a member of the globally acclaimed Pledge 1% in 2017. By this, Hubtel pledged to give 1% of profits, 1% of products, and 1% of paid employee time towards charitable courses. 

According to the founders of Pledge 1%, “the initiative is a global movement to create a new normal in which giving back is integrated into the DNA of companies of all sizes. Pledge 1% encourages and challenges individuals and companies to Pledge 1% of equity, profit, product, and/or employee time for their communities.”   

The items donated to the 5 schools included laptops, projectors, projector screen stands, speakers, microphones, internet routers, and other computer peripherals. The schools were selected by employees of Hubtel after several visits to understand the challenges the schools face in the teaching and learning of information technology subjects. 

The first donation at the St Paul Primary & Junior High School, Kpehe – Accra New Town, was received by the assistant headmaster of the school. Also present were the Chairperson of the PTA and a section of the school pupils.  

Making the donations at St Paul Primary & JHS, Alex Bram, CEO of Hubtel emphasized that “We [Hubtel] ultimately want to transform the time for teaching and learning ICT into one filled with memorable moments and lots of fun. Schoolchildren should not be intimidated by technology.  What we are doing is to provide early access to quality computer education for these pupils. We wish to see more school children take computing programs at higher levels because we believe the illiterates of the future will be people who cannot use computers”. 

Other schools that received similar donations were Liberty Avenue 2 JHS at Adabraka, Dr. FV Nanka-Bruce Junior High at Korle-Gonno, the Nima Cluster of Schools, and the Bethel AME Zion JHS at Ashaiman.  

These schools either had one PC for teaching and learning or none at all. In coming to the aid of the schools, school officials expressed relief and gratitude for the donations. Mr Michael Owusu, Assistant Headmaster at the St Paul Primary and JHS speaking to journalists after the donations was beside himself with joy, ”It really feels special. For more than three years, we’ve made frantic efforts to acquire these items with little success. Now, our pupils can have a real chance to understand better what they are taught. This is a moment of pride for us”.

Hubtel was founded in May 2005 on the campus of Kwame Nkrumah University of Science and Technology, Kumasi. In its 14 years of operation, the company has carved a reputation as a trusted and admirable tech brand across Africa. Starting with a bulk SMS messaging platform, the company has evolved into the e-commerce space – offering businesses tools to enhance the customer shopping experience; in-store, online, and mobile.  

In becoming a signatory to Pledge 1%, Hubtel joined the ranks of Silicon Valley giants like Salesforce, Yahoo, Box, Glassdoor, DocuSign, and other leading companies in over 100 countries.

Many insightful themes grace this year’s Customer Service Week celebration.

At some point in our lives, we all get the opportunity of either rendering service or being attended to as customers. That highlights the importance of customer service to all of us.

Although it’s an official weeklong celebration, starting October 7^th – 11^th 2019, delivering exceptional service remains an all-year-round affair.

Great customer service is a powerful tool for any company.

Customers expect quick, consistent and outstanding service, starting from the moment they enter your store or visit your webstore, to when they pick up their purchases or receive their delivery.

Here are a few insights you can view about your customers on Hubtel:

• New Customers visiting your business for the first time.
• Returning Customers who have made more than one purchase.
• Average Customer Value on the average amount a customer has spent in your business.
• Average Visit Value on the average amount a customer will spend in your business during a visit.
• Inactive Customers who have churned in the last three (3) months.
• Dormant Customers who have churned in the last six (6) months.

Great companies aim to exceed customer expectations positively. These companies provide support for customers to know and track the status of orders and delivery. They also respond to feedback and ratings from their customers.

September 2019 Product Update

Customers. Sales. Reviews. Security

See what’s new in this update:

Feedback & Inbox

Know what your customers think and feel about your business

Invoice Additions

Add taxes, levies, or other service charges a customer may have to pay as part of a sale

API Security Alerts

API Customers now receive notifications on any unauthorized (HTTP 401 or HTTP 403) attempt on accounts

Filter by Expiry Date

Filter items based on expiry dates. This requires that you add expiry dates to items; as part of product details in Advanced Options

Stock History

See all stock reduction activities when items are sold in-store, online, and on mobile

Feedback & Inbox
• Receive and instantly respond to customer Ratings and Feedback.
• Your customers will receive your response and can also reply from their inbox.

Invoice Additions
• Set up invoice additions for your items per branch. This can either be included in or excluded from the price.
• All invoice additions are added to the sub-total for your customer to pay.

Callback URL Check
Your callback URL may be down or timeout once in a while. This may happen when Sending money, Receiving money, or using the Hubtel checkout.
Check the status of any of these activities whenever you miss a callback:
1. Your own client reference
2. The Hubtel Transaction ID or Checkout
3. The Network Providers transaction ID

API Self-service
Manage your API credentials yourself. Get things done on your integrations swiftly and securely with Setup API Keys now in your control.
Visit Hubtel Integration to Add, Change or Delete API Keys.

PSP Regulatory Act, 2019 (Act 987)
PCI DSS and ISO 27001 certifications in progress to meet all new minimum requirements for Payment Service Providers issued by the Bank of Ghana.

Key Features
Add the most essential and interesting key details about each item as part of the product details in Advanced Options.

eCommerce, even in its most basic form has been around for 40 years!

The history of e-commerce dates back even before the internet. How Did It All Begin?

1979 – Michael Aldrich ‘invented’ online shopping. Aldrich was an English inventor, innovator and entrepreneur, who is credited with developing the predecessor to online shopping.

The idea came about during a stroll with his wife, when Aldrich lamented about their weekly supermarket shopping expedition.

This conversation sparked an idea to hook a television to their supermarket to deliver the groceries.

Immediately after the discussion Aldrich quickly planned and implemented his idea.

In 1979, Aldrich connected a television set to a transaction processing computer with a telephone line and created what he coined, “teleshopping,” meaning shopping at a distance.

By definition, ecommerce or electronic commerce, is the buying and selling of products or services via the Internet.

From mobile shopping to online payment encryption and beyond, ecommerce encompasses a wide variety of data, systems, and tools for both online buyers and sellers.

Most businesses with an ecommerce presence use an ecommerce store and/or an ecommerce platform to conduct both online marketing and sales activities and to oversee logistics and fulfillment.

The history of ecommerce started 40 years ago and, to this day, continues to grow with new technologies, innovations, and thousands of businesses entering the online market each year.

eCommerce has taken over the air, and no one is holding back! Enjoy the convenience of online shopping today. Check out great deals on Hubtel Mall. Shop. Pay. Get delivery in minutes!

One of the biggest exhibition of professional and business leaders in the beauty industry happened this weekend at the Accra International Conference Center.

This first edition of the Hair Senta International Beauty show dubbed “HIBS Africa”, attracted vendors and exhibitors of hair and beauty products across the African continent and internationally.

The vision of HIBS Africa is to bridge the global divide and make African businesses in the beauty industry, globally competitive and successful.

Hubtel introduced exhibitors to the importance of offering convenient shopping experiences for their customers. Emphasizing the competitive advantage of online sales, electronic transactions and prompt service delivery.

August 2019 Product Update

It’s getting smoother by the day

See what’s new in this update:

Notifications

Get notified of events on your business account as they happen

Customer Insights

See how your customers are interacting with your business

Under the hood

Your business now runs on faster engines. Assuring 99% uptime!

Customers Insights

Here are insights you can now view about your customers: 

• New Customer – Customers visiting your business for the first time. 
• Returning Customers – Customers who have made more than one purchase. 
• Average Customer Value – This is the average amount a customer has spent in your business. 
• Average Visit Value – The average amount a customer will spend in your business during a visit. 
• Inactive Customers – Customers who have churned in the last three (3) months. 
• Dormant Customers – Customers who have churned in the last six (6) months.

Inventory Expiry Alert

Get alerts when items in your inventory are about to expire.
You’ll receive notifications for items:

• 6 months before expiry 
• 4 months before the expiry 
• 2 months before the expiry
• 4 weeks before the expiry
• 2 weeks before the expiry
• 5 days, 4 days, and 3 days before expiry 

The E-commerce wave is rapidly moving over Africa in recent times, albeit with its problems. Africans are generally not fond of buying items online due to fraud and trust issues. However, modern technology is making this trend attractive to the young generation, and the adoption is quite impressive.

Today we’ll take a look at some of the top Ecommerce sites in Ghana. We’ll consider two main things for each platform:

• Delivery options each provides
• Source of items

This list is in no particular order or preference. Let’s dive in.

Jumia

Jumia is by far the most popular Ecommerce website in Ghana. They sell items in almost all sorts of categories ranging from electronics to baby products. It has come to be the most popular Ecommerce site known by many Ghanaians. Jumia’s vision is to revolutionize the shopping experience in Africa.

Delivery Options

“The delivery time starts from the day you place your order to the day one of our delivery associates makes a first attempt to deliver to you.”
– Jumia Delivery

Source Of Items
Most of the items on Jumia are from local businesses that are referred to as Merchants. Some of the items are however shipped from abroad. Such items have a “Jumia Global” tag on them.

Have you shopped on Jumia before? What was your experience like?
Visit jumia.com.gh 

Zoobashop

Zoobashop is a Ghanaian-based online shop promising the best deals on electronics, home appliances, fashion, and accessories. They offer the aforementioned products, all under one virtual roof.

Delivery Options

Zoobashop.com currently delivers 6 days a week (Monday through Saturday), to addresses in Accra and Tema.

Delivery occurs between 09:00AM and 6:30PM, Monday through Friday, and 09:00AM to 2:00PM on Saturdays.

Orders with a total value under the value GH¢ 350 will attract a delivery fee, depending on the customer’s choice of delivery. All orders above GH¢ 350 would be delivered free of charge, but would unless otherwise stated, be treated as Standard Delivery.
– Zoobashop Delivery

Source Of Items

Since it’s a Ghanaian-owned platform, all its items are locally based, unlike Jumia that imports some of theirs.
Visit zoobashop.com

Hubtel Mall

The Hubtel mall was launched less than a year ago but has received massive adoption from users. Hubtel has some of the best deals when it comes to electronics from big brands like Samsung and Nasco. If you are ever out to shop for a new phone, try Hubtel mall. Chances are you’ll get a great deal.

Delivery Options
Hubtel handles all its delivery through its own in-house delivery service – Hubtel Carforce. Being able to control the delivery means we’re able to fulfill our 60-minute delivery promise to users. It’s the first online shop that guarantees that when you order a box of pizza, you’ll get it while it’s hot.
– Hubtel Careforce

Source Of Items
Hubtel signs up businesses that own stores, on the mall. This means all the items in the mall are from local businesses. This gives users the best quality items only.
Have you shopped at the Hubtel mall before? Try out today at hubtel.com/mall
You can also download the app from the App Store or Google Play Store.

Caution: This is not your average long list post (of delivery services). If you want an actual long list of delivery services in Ghana, check this page by GhanaYellow: They do a good job of listing all the major delivery companies in Ghana.

I’m here to introduce Hubtel’s own delivery service called Careforce. Sounds familiar? No? Read on then

Hubtel Careforce

Now consider this scenario: An Ecommerce platform that handles its own delivery service. Sounds pretty much like a well thought-out plan. And it is!

The catch here is this: deliver to the customer in 60 minutes or less.
When you shop on the Hubtel Mall, you get your items on the same day – within 60 minutes. Amazon has something similar called FreeSameDay but works a bit differently. Plus it only works for selected items and locations.

This is the power of the Hubtel Careforce – a network of delivery agents within an area close to where you shop from. Any business who has products listed on Hubtel has access to this fast delivery service.
What this means for you as a business is that, you get to focus more on selling while Hubtel Careforce takes care of all your delivery needs.

If you are a buyer, you get the assurance of getting your items within 60 minutes of purchasing on the Hubtel Mall.

Give It A Spin

Have you shopped on the Hubtel Mall yet? Time to give it a spin. Clothes, phones, electronics, food (yes food) all on your phone or at hubtel.com/mall

Time to do some shopping!

So before we dive in, have this in mind: The word “best” as used in this post is relative. You’ll find out why. Just keep reading.
Atlas and Boots has this comprehensive breakdown of global internet rank. Check it out here.

The Case of Internet Bundles In Ghana

It is a known fact that internet bundles in Ghana is very expensive. So in today’s post, I’ll highlight some bundle package I believe are relatively lower than the others. Let’s dive in!

MTN TurboNet Bundles

Surprised? Don’t be. This bundle by MTN is by far the best in my opinion. The usual MTN data bundles are a bit pricey. I’m not sure if this new TurboNet bundle package is here to stay. But it should. I mean, look at this sweet deal!

Data Volume (GB)           Amount (GHC)

5GB                                    20.00

10GB                                  40.00

20GB 75.00

45GB                                  120.00

90GB                                  175.00

225GB                                240.00

550GB                                395.00

Want to enjoy this sweetness? Grab a router from the mall here.

Vodafone Special Offer Bundles

I believe Vodafone introduced this as a way to get more subscribers for Vodafone Cash. At this point, it really doesn’t matter. As long it’s a sweet deal, I’m for it. It’s available for Vodafone Cash users only.
The bundle lasts for just 24 hours (which is strange but ok) at a price of either GHS1 (500MB) and GHS2 (1.5GIG)

Here’s how to get this “Special Offer”.
Dial *110#
Choose Option 3 
Choose Option 3 – Special Offers
Select either 1 or 2
Choose a package
Enter your Vodafone Cash pin to confirm

Once you are done, you get to enjoy the offer for the next 24 hours.

There are other bundle options for other networks, but these two came up as the best in my opinion. Got any in mind you want to share? Drop it in the comments. After all, we all need sweet data packages.