# Hubtel

> Hubtel is the operating layer behind a well-run Ghanaian business: one system to accept payments, manage operations, track every transaction, and grow revenue. Operated by Hubtel Limited, a Ghanaian fintech and merchant platform.

Hubtel serves consumers (paying bills, sending money, ordering food, buying from stores) and businesses (payments, operations, and growth tooling). The business proposition is organised around three pillars: Clarity, Control, and Growth.

## Consumer
- [For Consumers](https://hubtel.com/consumer): overview of Hubtel's consumer services
- [Send SMS](https://hubtel.com/consumer/sms): personal and bulk SMS
- [Pay Bills](https://hubtel.com/consumer/pay-bills): utilities, airtime, and bill payments
- [Find Stores](https://hubtel.com/consumer/stores): discover stores on Hubtel
- [Buy Food](https://hubtel.com/consumer/food): order food for delivery
- [All Groceries](https://hubtel.com/stores): browse groceries
- [Pay Small Small](https://hubtel.com/pay-small-small): buy now, pay in instalments
- [Get the Hubtel App](https://hubtel.com/app): shop for everyday essentials

## Business
- [Clarity](https://hubtel.com/business/clarity): see everything happening in your business
- [Control](https://hubtel.com/business/control): manage payments and operations in one place
- [Growth](https://hubtel.com/business/growth): tools to grow revenue
- [Hubtel for Business](https://business.hubtel.com/): the business signup page

## Developers
- [Hubtel Developers](https://developers.hubtel.com/): API documentation and integration guides

## Company & content
- [Hubtel Blog](https://news.hubtel.com/): news, articles, and product updates
- [Podcasts](https://news.hubtel.com/podcasts/): Hubtel podcasts
- [Explore Hubtel](https://explore.hubtel.com/): services, partners, and careers

## Optional
- [For Retail Partners](https://explore.hubtel.com/retail-partners/)
- [For Riders](https://explore.hubtel.com/riders/)
- [Careers](https://explore.hubtel.com/careers/)
- [Bulk SMS Ghana](https://explore.hubtel.com/bulk-sms-ghana/)