Same platform. You pay for book size.

No. You pay the monthly or yearly subscription after KYB approval. There is no licence fee and no separate implementation invoice to start.

A dedicated tenant, operator console, system accounts, and white-label branding. After KYB we provision in minutes. You brand the bank, switch on Ghana Card and mobile money, and sign the launch attestation.

The subscription is the platform. Collection and disbursement run on your own payment-provider and mobile-money network contracts. SMS runs on a managed delivery provider. Sika does not add a separate MoMo or SMS line item.

Your price follows the size of your book, in bands. Crossing into the next band changes the price from your next invoice, and your billing console shows where the next band starts and what it adds before you get there. At a plan’s ceiling, registering new customers stops until you move to a larger plan. Nothing is charged as overage. Launch is GHS 118,750 a month up to 2,000 customers, rising by band to GHS 281,250 at its ceiling of 10,000, and 12 staff. Scale is GHS 531,250 a month up to 8,000 customers, rising by band to GHS 1,287,500 above 50,000, with no ceiling, and 35 staff. Enterprise is priced on application, with no customer ceiling and unlimited staff. Community is GHS 218,750 a month up to 3,000 customers, rising by band to GHS 406,250 at its ceiling of 15,000, and 15 staff.

Add Susu & ROSCA from your billing console, or choose the Community track, which bundles the Launch core with Susu at GHS 218,750 a month, priced by band as membership grows.

A paid add-on that scores loan and card requests with approve, refer, or decline outcomes, revolving facilities, policy versioning, and underwriter override. It ships on Enterprise. Lending itself stays in the core plans.

No. Probitas Compliance and Tumi Institutional Tokens are premium add-ons on every plan, including Enterprise. They are never bundled into a plan because they are expensive platforms in their own right.

FLEXCUBE programmes typically combine a large software licence, a multi-million-dollar implementation, and annual maintenance of 15–25% of the licence. Sika is white-label core banking as a subscription in GHS, with Ghana Card, MoMo rails, and go-live in weeks after KYB. You still pay for premium Probitas and Tumi add-ons when you need them. Exact FLEXCUBE quotes vary by bank; talk to us for a side-by-side for your book.

Enterprise is dedicated infrastructure and a named solutions team, with a custom cutover. Launch, Scale, and Community include a 30-day trial.

Yearly is ten months of the monthly price. You get two months free. Add-ons on a yearly plan are also billed at ten months.

Yes. A move to a larger plan takes effect at once, and you are invoiced only the difference for the rest of the period you have paid for. A move to a smaller plan takes effect when that period ends, so you keep what you paid for until then; if your book has outgrown the smaller plan by then, you stay where you are and your operators are told. Add-ons are not charged twice when the new plan already includes them. You cannot move to a plan whose customer or staff ceiling is below what you use today.