The company hit the Ghanaian market in 2008 announcing its mission of introducing a fast, reliable and convenient electronic-based payment system to transform lifestyles through its txtNpay secured mobile phone-based payment system. The system allows users to send money to any other person with a mobile phone, pay utility bills, purchase goods and services, buy pre-paid phone credits, check their bank account balance and engage in many more transactions with their phones. The “txtNpay” technology uses an application which is SMS-based and essentially consists of an electronic platform that is directly accessed from the customer’s mobile handset..