AgooPay is not licensed by the Bank of Ghana. It is under development, and we are working towards our licence. Nobody can use it to make or receive a payment. Anyone offering you AgooPay payments is not us.AgooPay is not licensed by the Bank of Ghana. It is under development, and we are working towards our licence. Nobody can use it to make or receive a payment. Anyone offering you AgooPay payments is not us.AgooPay is not licensed by the Bank of Ghana. It is under development, and we are working towards our licence. Nobody can use it to make or receive a payment. Anyone offering you AgooPay payments is not us.AgooPay is not licensed by the Bank of Ghana. It is under development, and we are working towards our licence. Nobody can use it to make or receive a payment. Anyone offering you AgooPay payments is not us.
Everything on this page is what we plan to build and test, in the future tense on purpose. Nothing is live, and no real card or MoMo number should ever be typed anywhere on this site.
01 · The Keyhole
A Lock You Learn to Read
The small keyhole will sit in the modal, each secure field and every native sheet. It says what's happening to what you typed. It can be copied as a picture, so it's never the only proof.
The Lock's Five StatesSample
Open
Empty. Nothing has been typed.
Turning
Checking what you typed.
Locked
Sealed. The merchant can't read it, and neither can this page.
Refused
This number can't go any further. It wasn't kept.
Broken
We can't reach the field. Don't type anything.
02 · Ours and a Copy
What a Copy Can't Do
Anyone can copy a picture of a lock. Nobody else can show your word, or put our address in your browser's bar.
Ours
Sample
pay.agoopay.com
AF
Adwoa's Fabric House
Registered with AgooPay as this name
GH₵240.00
Includes fee GH₵4.68 · Ends in 14:32
AskedSaid YesCapturedSettledIn the Bank
Your word on this device: mango
We'll never ask for your PIN here. Your phone asks for it, and shows this same name and amount.
A Copy
Sample of a fake
agoopay-secure-pay.example
Pay in 5 Minutes or Lose Your Order!
Pay GH₵240.00
MoMo Number
024 000 0000
MoMo PIN
••••
Confirm
1
Look at the Address
Ours will open only on AgooPay's own address, and it stays in view. A copy has a lookalike.
2
Your Word
After your first payment on a device, the lock will show a word you chose. A copy's page can't read it, because only our address can.
3
It Never Wants a PIN
Your PIN goes to your phone and your bank, never to a page. Anything asking for it here isn't us.
4
Two Screens Agree
The name and amount on the screen will match what your phone asks you to say yes to. If they differ, say no.
03 · The Vault
Ours to Build, and to Answer For
AgooPay will build its own vault, not rent one. It will be built and tested fully on test numbers, and it won't see a real card until it has been independently assessed.
Planned
A Card Number Goes One Way
From the sealed field to the vault, and nowhere else. Your page won't see it, our other systems won't see it, and the merchant gets a token.
Where a Card Number Would Go
Planned
1Number typedGoes straight into the sealed field
2The merchant's pageSees nothing
3The vaultKeeps it, sealed, in its own zone
4The merchantGets a token that works only for them
tok_test_mensah_7f3k · usable by this merchant only
Its Own Zone
The vault will run apart from everything else, with its own network, its own releases and its own access. Nothing else will read a card number.
Keys in Dedicated Hardware
A key hierarchy rooted in dedicated security hardware, with audited libraries and no hand-rolled cryptography. Rotation without downtime, and two people for anything that matters.
Tokens, Not Numbers
Random tokens, each one usable by one merchant only. A token from one merchant will fail for another. Security codes and PINs are never kept after authorisation.
No Way In for a Person
Every use will be logged, with no card data in any log. There will be no human route to a clear card number, and alerts on anything unusual.
Checked by Someone Else
An independent assessor, regular scans and penetration tests will come before the first real card. Until that assessment exists, we won't claim it.
Yours to Take With You
A merchant will be able to move its tokens to another provider through a controlled, recorded route. Our vault won't be a trap.
04 · Today
If Someone Offers You AgooPay
They aren't us. Nobody can use AgooPay to make or receive a payment.
Don't Pay
There's no AgooPay checkout, link, code or app you can use today. Any that you see isn't ours.
Don't Type
Don't give a card number, a MoMo number or a PIN to anything using our name.
Tell Us
Write to hello@agoohq.com with where you saw it. A person will read it.
Questions About How It Will Be Protected?
Tell us who you are and what you'd like to know. This signs you up to nothing.