Wire Gh: Payments and APIs for Ghana. Product of Marcbrain Ltd.
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Terms of Service

Last updated: September 1, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of Wire Gh, a product of Marcbrain Ltd (Marcbrain Creative Systems), including our website, USSD short codes, SMS services, result checker vouchers, utility bill payment tools, admission form portals, payment gateway and related APIs (together, the "Services"). By creating an account, dialing our USSD code, or otherwise using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.

2. Eligibility & Registration

You must be at least 18 years old, or the age of majority in your jurisdiction, to create an account. You agree to provide accurate, current and complete information during registration (via username/email and password, OTP login, or Google sign-in) and to keep this information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

3. Description of Services

Wire Gh provides USSD applications, SMS messaging (including OTPs, alerts and bulk campaigns), WASSCE and BECE result checker vouchers, utility bill payments (e.g. ECG, Ghana Water, DSTV, GOtv), university and college admission forms, and a payment gateway accepting Mobile Money and card payments. We may add, modify, suspend or discontinue any part of the Services at any time, with or without notice, where reasonably necessary.

4. Payments, Fees & Refunds

Prices for services (such as voucher fees, transaction fees and gateway commission) are displayed before you confirm a purchase. Payments are processed through supported Mobile Money operators, card networks and payment aggregators. Once a voucher PIN is generated or a bill payment is confirmed by the biller, the transaction is generally final and non-refundable, except where required by law or where Wire Gh determines, at its discretion, that a refund or reversal is appropriate (for example, a failed transaction that was not delivered).

5. Acceptable Use

You agree not to:

  • Use the Services for any unlawful purpose, including fraud, money laundering or terrorism financing.
  • Attempt to gain unauthorized access to any account, system or network connected to the Services.
  • Interfere with, disrupt, or overload our USSD, SMS or payment infrastructure.
  • Resell, redistribute or misrepresent vouchers, PINs or bill payment confirmations obtained through the Services.
  • Use automated means (bots, scripts) to access the Services without our prior written consent.

We may suspend or terminate accounts that violate this section, and may report suspected fraud to the relevant authorities.

6. Vouchers & Result Checkers

WASSCE and BECE result checker vouchers purchased through Wire Gh are issued by, or on behalf of, the relevant examining bodies. We are responsible for facilitating the sale and delivery of voucher PINs, but are not responsible for the accuracy, availability or content of results published by the examining body's own checker platform. Keep your voucher PIN confidential; Wire Gh is not liable for PINs redeemed by a third party after disclosure by the purchaser.

7. USSD & SMS Services

USSD sessions and SMS messages are subject to network availability and performance of the telecom carriers involved (MTN, Telecel, AirtelTigo and others). Delivery times, session timeouts and message formatting may vary based on device, network conditions and carrier policies outside our control. Standard carrier data/SMS charges from your network provider may apply in addition to any Wire Gh service fees.

8. Intellectual Property

All content, branding, logos, software and materials that make up the Services are owned by, or licensed to, Marcbrain Ltd, and are protected by applicable intellectual property laws. You may not copy, modify, distribute or create derivative works from the Services without our prior written permission, other than as necessary for your own personal or authorized business use of the Services.

9. Service Availability & Limitation of Liability

The Services are provided on an "as is" and "as available" basis. While we work to maintain high availability, we do not guarantee the Services will be uninterrupted, error-free, or available at all times, particularly where dependent on third-party networks, Mobile Money operators or examining bodies. To the maximum extent permitted by law, Wire Gh and Marcbrain Ltd shall not be liable for indirect, incidental, or consequential damages arising from your use of, or inability to use, the Services.

10. Indemnification

You agree to indemnify and hold harmless Wire Gh, Marcbrain Ltd, and their officers, employees and agents from any claims, damages, liabilities and expenses (including reasonable legal fees) arising from your breach of these Terms, misuse of the Services, or violation of applicable law.

11. Termination

We may suspend or terminate your account and access to the Services at any time, with or without notice, if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or where required by law or a regulator. You may also close your account at any time by contacting our support team. Sections that by their nature should survive termination (including payments already processed, intellectual property, and limitation of liability) will continue to apply.

12. Governing Law

These Terms are governed by, and construed in accordance with, the laws of the Republic of Ghana, without regard to conflict of law principles. Any disputes arising from these Terms or the Services shall be subject to the exclusive jurisdiction of the courts of Ghana, unless otherwise required by applicable law.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services, legal or regulatory requirements, or operational practices. We will update the "Last updated" date at the top of this page when changes are made. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

14. Contact Us

If you have questions about these Terms, contact us: