From their site:
Afric Xpress (AX) is a solution provider for mobile phone-based and other electronic transaction services for African communities in the continent and abroad. The company’s mission is to foster electronic–based markets in Africa by turning mobile phones and computers into commercial platforms with the ultimate goal of empowering our customers with security, speed, and convenience. We serve our international customers with online services available on our website while the primary channel for our customer in the continent is the mobile phone.
We also provide mobile banking solutions in partnership with the telecom providers and various banks. Our current target for these services is the local Ghanaian population with cell phone connectivity and a local bank account. These mobile phone services are solely for local use and country specific. They are not available online and do not require any credit card processing. For more information about this service, visit www.txtnpay.net