About EssencePay
EssencePay, an arm of Green Fruits Cooperative Society Ltd, is a dynamic financial technology solution created to unlock access to essential products for cooperative members through flexible and affordable payment options. We offer a simple yet powerful Buy Now, Pay Later (BNPL) service designed to help members purchase high-demand items such as mobile phones, computers, refrigerators, and other vital electronics — without the burden of paying the full amount upfront.
At EssencePay, we understand that in today’s world, technology and essential household products are more than conveniences — they are gateways to education, communication, productivity, and comfort. Unfortunately, the high cost of these items can make them inaccessible to many hardworking individuals. That’s where we come in. Our mission is to remove financial barriers, giving members the freedom to own the tools they need, when they need them, while maintaining control over their finances.
What We Offer
EssencePay provides a structured, trustworthy, and cooperative-based financing model that is built around the realities and lifestyles of our members. Here’s what sets us apart:
- Buy Now, Pay Later Access: Members can select essential products, make a reasonable initial down payment, and then pay the remaining balance in affordable monthly installments.
- Tailored for Cooperative Members: Because we are a division of Green Fruits Cooperative Society Ltd, our solution is exclusively designed for cooperative members. We understand their income patterns, values, and goals—and our services reflect that.
- Essential Product Portfolio: We offer a hand-picked selection of quality electronics and home appliances to ensure that members receive durable, reliable, and high-utility products that serve their long-term needs.
- Simple, Transparent Process: No credit checks. No long queues. No hidden fees. Our platform offers clear terms, quick processing, and full transparency, so members always know what they’re signing up for.
- Human-Centered Support: We provide personalized support to help members choose the right products and payment plans that align with their budget and aspirations.
Why It Matters
Financial exclusion is one of the biggest obstacles to personal and community growth. For many cooperative members, traditional credit systems are either inaccessible or unfavorable. EssencePay challenges that norm by offering a more inclusive alternative — one that promotes ownership, not debt.
Whether it’s a student needing a laptop to excel in school, a family looking to improve their living standards with a refrigerator or a television, or an entrepreneur needing a smartphone to grow a business, EssencePay helps make these goals possible through responsible, flexible financing.
We don’t just finance products — we invest in potential.
Our Vision
To become the leading BNPL provider within cooperative communities across Africa and beyond, championing access, empowerment, and financial well-being through technology-driven solutions.
Our Mission
To provide accessible, affordable, and responsible financing that enables cooperative members to acquire the products they need to live better, work smarter, and dream bigger.
Our Values
- Access for All: We believe everyone deserves access to essential tools, regardless of their income level.
- Trust and Transparency: We operate with honesty and openness—earning the trust of every member we serve.
- Empowerment Through Ownership: We help members build confidence and stability by enabling them to own what they need.
- Cooperative Spirit: We exist to serve our members, rooted in the values of cooperation, mutual support, and shared success.
- Innovation with Purpose: We use technology not just for convenience, but to create lasting impact.
Our Impact
EssencePay is transforming lives — one product, one member, one payment plan at a time. By offering a pathway to ownership, we are:
- Boosting productivity and learning by giving members access to digital tools.
- Improving household quality of life with reliable home appliances.
- Enabling small-scale entrepreneurs to grow their businesses and income.
- Reducing financial stress by providing structured, manageable alternatives to large one-time purchases.
Our ultimate goal is to see every cooperative member empowered, not just with the things they need—but with the dignity, confidence, and freedom that come from financial control and ownership.
Join the Movement
With EssencePay, you’re not just buying a product— you’re stepping into a future of possibility, progress, and empowerment.
Together, we’re building a cooperative economy where access is equal, growth is shared, and everyone can move forward — one payment at a time.