kollektHow to accept payments in Ghana: a guide for apps and online stores
Ghana is one of Africa's most mobile-money-friendly markets. Most people pay with MTN MoMo, Telecel Cash or AT Money, and mobile money works across networks. If you run an app, website or online store selling in Ghana, here's how payments work and how to start accepting them.
At a glance
- CurrencyGhanaian cedi (GHS)
- Main walletsMTN MoMo, Telecel Cash, AT Money
- Cards (Visa, Mastercard) are used, mostly by a smaller share of customers
- RegulatorBank of Ghana
- Mobile money interoperability lets wallets on different networks send to each other
How to start
- Pick your methods. Mobile money is a must, and cards are a nice extra.
- Choose a gateway licensed in Ghana that supports MTN MoMo and Telecel Cash.
- Complete business verification. Expect to provide registration documents.
- Add the gateway's checkout or API to your app or store.
- Confirm every payment from your server through webhooks.
- Test with real small payments, then go live.
Want it done for you?
Kollekt integrates mobile money into your app or store in Ghana. Built your app but stuck on payments? Kollekt integrates mobile money for you.
Questions people ask
What's the most popular way to pay online in Ghana?
Mobile money, led by MTN MoMo. Any checkout for Ghanaian customers should offer it first.
Do I need a Ghanaian company to accept payments in Ghana?
Most local gateways onboard businesses registered in Ghana. If your company is elsewhere, look for a provider that supports foreign businesses collecting in GHS, or partner with someone who handles the integration for you.