How PAYGO Works: Own Solar Power From Just a 10% Deposit
No bank loan, no collateral, no waiting years to save the full price. Pay a deposit of 10-50% today — based on your affordability — then clear the rest over 12 months by MoMo direct debit. Powering Ghana today, not tomorrow.
What Is PAYGO Solar?
PAYGO (Pay-As-You-Go) lets you activate a genuine solar product with a deposit as low as 10%, then own it outright after clearing the balance over 12 months. It works like buying Light/Power the way you already buy MoMo credit — a little at a time, on your terms, with no need for a bank loan or collateral.
How It Works, Step by Step
Choose Your Product
Pick Sun King for your home, KoolBoks for your business, or Lorentz for your farm. Our team helps you match the right size to your needs.
Pay Your Deposit
Pay a deposit of 10-50% of the product price to activate — the exact amount depends on your affordability and credit assessment. (An 80/20 installation-based plan is available for some products.)
Pay Daily, Weekly, or Monthly
Clear the balance over 12 months by MoMo direct debit — MTN MoMo, Telecel Cash, AT Money, G-Money, or Zeepay, on whichever schedule suits you.
Own It Outright
Once the balance is cleared, the product is fully yours. No more payments, no more dumsor worries.
PAYGO Terms by Product
All three product lines run on the same simple deposit / 12-month plan, tailored to how each one is used.
Sun King
Solar home systems and lanterns built for reliable lighting and power — a clean, safer replacement for kerosene lamps and candles.
- Deposit: 10-50%, based on affordability
- Term: 12 months, daily, weekly, or monthly
- Best for: Homes needing dependable light and phone charging
KoolBoks
Solar-powered freezers and chillers that keep stock cold and cut ice costs — built for traders, chop bars, cold stores, and fishmongers.
- Deposit: 10-50%, based on affordability
- Term: 12 months, daily, weekly, or monthly
- Best for: Registered traders and small businesses needing cold storage
KoolBoks is a business product only — it is not sold for household use.
Lorentz
Solar water pumps for irrigation, freeing farmers from diesel fuel costs and unreliable power for their fields.
- Deposit: 10-50%, based on affordability
- Term: 12 months, daily, weekly, or monthly
- Best for: Farmers needing consistent irrigation without diesel costs
Pay However Is Easiest for You
Every instalment is collected by Mobile Money direct debit, securely through Hubtel — the payment platform Ghanaians already trust — on a daily, weekly, or monthly schedule that fits your income.
Why Ghanaians Trust Optima FlexPay
Genuine Products, Real Warranties
Every Sun King, KoolBoks, and Lorentz unit we sell is authentic and warrantied — not a cheap imitation from the informal market.
Transparent Terms
Your deposit, balance, and payment schedule are clear from day one — no hidden charges.
Local Support
Based in Accra with a regional office in Ho, Volta Region, our team is close to the customers we serve.
Registered Ghanaian Business
Optima FlexPay Limited is a registered company (TIN C0067387500) operating under Ghana's consumer protection standards.
Frequently Asked Questions
What is PAYGO solar?
PAYGO stands for Pay-As-You-Go. Instead of paying the full price upfront, you pay a deposit of 10-50% to activate your product, then clear the balance over 12 months through small daily, weekly, or monthly Mobile Money direct debit instalments.
How much deposit do I need to start?
Your deposit ranges from 10% to 50% of the product price, depending on your affordability and credit assessment. The balance is then cleared over 12 months. An 80/20 installation-based plan is also available for some products.
How do I make my PAYGO payments?
Payments are collected by Mobile Money direct debit through Hubtel, using MTN MoMo, Telecel Cash, AT Money, G-Money, or Zeepay — on a daily, weekly, or monthly schedule, whichever suits you.
Is KoolBoks available for households?
No. KoolBoks is strictly for businesses — traders, chop bars, cold stores, and fishmongers. Households looking for solar power should ask about Sun King instead.
What happens if I miss a payment?
Contact us as early as possible if you expect to miss a payment. Consistent, on-time instalments keep your product active and build your standing for future upgrades.
Do I own the product at the end of the plan?
Yes. Once your deposit and remaining balance are fully paid over the 12-month term, the product is entirely yours with no further payments due.
Ready to Get Started?
Message our team on WhatsApp and we'll help you choose the right product and PAYGO plan.
Start on WhatsApp