A Complete Guide to KudiFlow USSD for Offline Traders

Internet access in Ghana has improved dramatically, but it is still not always available or affordable. Network outages, expensive data, and basic phone ownership are real challenges for many traders.

That is why KudiFlow works on USSD — the technology that powers every single mobile phone in Ghana, including basic feature phones.

What Is USSD?

USSD (Unstructured Supplementary Service Data) is the technology that lets your phone communicate with a server in real-time. It works on any phone, on any network, without internet.

Think of it as a text-menu system. You dial a code, and a menu appears on your screen. You select options by typing numbers.

Getting Started

Dial **\*919\*4016#** on any mobile phone (MTN, Telecel, or AirtelTigo).

Step-by-Step: Recording a Sale via USSD

1. Dial \*919\*4016#

2. Select **1 → Record Sale**

3. Enter the product name (e.g., Rice, Cooking Oil)

4. Enter the amount in GHS (e.g., 150)

5. Enter the quantity (default is 1)

6. Done! You receive an SMS confirmation

Step-by-Step: Paying a Supplier via USSD

1. Dial \*919\*4016#

2. Select **3 → Pay Supplier**

3. Enter the supplier's name

4. Enter the supplier's phone number

5. Select their MoMo network (MTN, Telecel, or AirtelTigo)

6. Enter the payout amount

7. The supplier receives an SMS receipt

Why USSD Matters

**Works on any phone** — Smartphone or feature phone

**No data required** — Free to use (standard network rates may apply)

**Instant** — Transactions process in real-time

**Secure** — Protected by your mobile network's security

**Auto-syncs** — When you go online, all USSD records sync with your web dashboard

Try It Now

Pick up your phone and dial \*919\*4016# right now. You do not need to install anything or register beforehand.

If you get stuck, contact us on WhatsApp at 0203663708.