Momo & Remittance 
• mtn [ Sending, Deposit & Withdrawal]
• zeepay [ Sending, Deposit & Withdrawal]
• Ghanapay [ Sending, Deposit & Withdrawal]
• gmoney [ Sending, Deposit & CIT] 
• Telecel [ Sending, Deposit & CIT] 
• at [ Sending, Deposit & CIT] 

Sending [ amount - charge , Amount + charge or Amount + in & out ]

Cit [ Number, Amount ] 

Agency Banking 
• GhQR [ CIT ] [ Source bank, phone, amount ]
• Fidelity [ Deposit ( self/3rd) , Account opening, mini statement, balance enquiry, funds transfer]
• Cal bank [ CIT, Withdrawal, Deposit, Account opening]
• Gtbank - interbank ( gip charges ) 
• Ecobank - cit, gip, Deposit, Account opening, International transfer 
• FBN - Withdrawal, gip, Deposit 
• Access Bank - Withdrawal, gip, Deposit( self or 3rd )


Sims & Related Problems 
• mtn - Puk, Serial, Assigned #, Walk in Customer's #. 
• Telecel 
• AT 

Ezwich - Transfer[ Momopay/instant] or Withdrawal [ Settlement nextday payment]

Cfa - Buying/selling [ Numbers ]

Airtime & Bundle 
• zeepay - airtime 
• mtn - airtime, reseller, mashup, *138#, Mtnup2u, Just4U 
• Ghanapay - airtime 
• Telecel - airtime, data, 5959, mashup 
• at - resellers, airtime, bundle, ishare, mash up 

Payments
* Nhis 
* Gov 
* Epa 
* Dstv
*Startimes

Under Momo & Remittance 

The Withdrawals is in 3 categories 

1. Self ( The subscriber performing the withdrawal is available)
2. 3rd party ( the subscriber performing the withdrawal is far away and the receiver is present )
3. Token

Self 
[ Phone #, Amount] 

3rd party 
[ Phone #, Amount, Receiver's # ]

Token 
[ Token #, Amount,Receiver's#]

*Token 
[ Token #, Amount, ID, ID #, Secret Code, Receiver' #]