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.
AgooPayUnder Development
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agoopay.com/security · Planned, Nothing Is Live

Built So a Copy Can't Pass.

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
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. 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. 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. 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. 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
  1. 1Number typedGoes straight into the sealed field
  2. 2The merchant's pageSees nothing
  3. 3The vaultKeeps it, sealed, in its own zone
  4. 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.