Ghana
Significant Indicators
group
4 million
Population
hub
24.3 million
Online Population
shopping_cart
3.25%
E-commerce of Total Retail
Best Payment Gateways
| Peyments gateway | Rate | Countries | Payment Methods | Fiat currencies, units | Website |
|---|---|---|---|---|---|
 Flutterwave | 30 | 15 | 30 | Open |
Dependable and Secure Online Payment Platforms in Ghana for Users
The online market of Ghana keeps on prospering. Specialists forecast fantastic growth rates in the market. The expected total volume is $11.51bn by 2027. Since approximately 15 million people employ the internet and carry out daily online purchases in Ghana, there is a necessity for secure and dependable online payment platforms.
Payment Gateway: Meaning Explained
A payment gateway represents a technology that securely handles online transactions. It transfers payment data between banks, merchants, and shoppers. Online payment platforms in Ghana are critical for e-commerce. They ensure speedy and trouble-free digital payments while safeguarding confidential financial information.
Things to Pay Attention to When Selecting a Payment Gateway in Ghana
When picking an online payment gateway in Ghana, prioritize transaction fees, mobile money compatibility, security , ease of integration, shopper and merchant support, and settlement speed. Make sure it upholds major modes of payment like cards and bank transfers.
The Best Payment Gateways
Flutterwave
Flutterwave
iPay
iPay
iPay
| Category | Details |
|---|---|
| Short Summary | iPay is a payment gateway solution. Being one of the best payment platforms in Ghana, it offers rapid and flexible online payment handling for business owners. |
| Main Capabilities and Functionality | Fraud prevention, E-invoices, payment links, mobile money (all networks) |
| Demands | Valid email and phone number, business registration |
| Accepted Modes of Payment | Credit/debit cards, Ghana QR, E-wallets |
| Coverage Areas | Africa |
| Supported Currencies | Upholds multiple currencies |
| Short SummaryiPay is a payment gateway solution. Being one of the best payment platforms in Ghana, it offers rapid and flexible online payment handling for business owners. | |
| Main Capabilities and Functionality Fraud prevention, E-invoices, payment links, mobile money (all networks) | |
| DemandsValid email and phone number, business registration | |
| Accepted Modes of PaymentCredit/debit cards, Ghana QR, E-wallets | |
| Coverage AreasAfrica | |
| Supported CurrenciesUpholds multiple currencies |
Pros
- fraud prevention instruments
- effortless integration with multifarious platforms
- secure payment processing
Cons
- limited customer support in some regions
Craft Silicon
| Category | Details |
|---|---|
| Short Summary | Craft Silicon is a financial technology company. It offers a payment gateway in Ghana that delivers secure and smooth digital payment solutions. |
| Main Capabilities and Functionality | Fraud prevention tools, mobile payment solutions, secure payment handling |
| Setup Fee | Fees may vary based on the scale of operations and integration requirements |
| Demands | Merchant account, legal registration of the business |
| Accepted Modes of Payment | Credit and debit cards, bank payments, mobile money payments |
| Coverage Areas | Primarily focused on African countries |
| Supported Currencies | Numerous currencies such as GHS, KES, UGX |
| Short SummaryCraft Silicon is a financial technology company. It offers a payment gateway in Ghana that delivers secure and smooth digital payment solutions. | |
| Main Capabilities and Functionality Fraud prevention tools, mobile payment solutions, secure payment handling | |
| Setup FeeFees may vary based on the scale of operations and integration requirements | |
| DemandsMerchant account, legal registration of the business | |
| Accepted Modes of PaymentCredit and debit cards, bank payments, mobile money payments | |
| Coverage AreasPrimarily focused on African countries | |
| Supported CurrenciesNumerous currencies such as GHS, KES, UGX |
Pros
- multi-currency support
- an extensive range of modes of payment
- uncomplicated integration with e-commerce platforms
Cons
- restricted global reach compared to bigger competitors
Paystack
| Category | Details |
|---|---|
| Short Summary | Paystack is a Nigerian payment gateway solution that assists business owners in accepting payments online and offline. It ensures an effortless and secure way to handle payments for businesses across Africa. |
| Main Capabilities and Functionality | API integrations, fraud prevention, payment processing for online and offline sales, one-time and recurring payments |
| Demands | A business bank account, a website or an online store |
| Accepted Modes of Payment | Credit and debit cards, bank transfers, mobile money, USSD payments |
| Coverage Areas | Nigeria, Ghana, and other African countries |
| Supported Currencies | NGN, GHS, and more |
| Short SummaryPaystack is a Nigerian payment gateway solution that assists business owners in accepting payments online and offline. It ensures an effortless and secure way to handle payments for businesses across Africa. | |
| Main Capabilities and Functionality API integrations, fraud prevention, payment processing for online and offline sales, one-time and recurring payments | |
| DemandsA business bank account, a website or an online store | |
| Accepted Modes of PaymentCredit and debit cards, bank transfers, mobile money, USSD payments | |
| Coverage AreasNigeria, Ghana, and other African countries | |
| Supported CurrenciesNGN, GHS, and more |
Pros
- effortless setup for businesses
- a wide spectrum of payment variants
Cons
- no support for some concrete payment variants like cryptocurrency
- developer-friendly with extensive APIs
Pegasus
| Category | Details |
|---|---|
| Short Summary | Pegasus is one of the well-liked payment gateways in Ghana. This payment processing solution allows businesses to accept an extensive range of payment variants securely and effectively. |
| Main Capabilities and Functionality | Secure payment processing, multi-currency support, fraud defense, integration with e-commerce platforms, invoices and receipts |
| Setup Fee | Varies depending on the service package |
| Demands | Business account, website or mobile application for integration |
| Accepted Modes of Payment | Visa/MasterCard, Union Pay, and mobile money |
| Coverage Areas | Uganda, Ghana, and more |
| Supported Currencies | GHS, UGX, and others |
| Short SummaryPegasus is one of the well-liked payment gateways in Ghana. This payment processing solution allows businesses to accept an extensive range of payment variants securely and effectively. | |
| Main Capabilities and Functionality Secure payment processing, multi-currency support, fraud defense, integration with e-commerce platforms, invoices and receipts | |
| Setup FeeVaries depending on the service package | |
| DemandsBusiness account, website or mobile application for integration | |
| Accepted Modes of PaymentVisa/MasterCard, Union Pay, and mobile money | |
| Coverage AreasUganda, Ghana, and more | |
| Supported CurrenciesGHS, UGX, and others |
Pros
- effective client support
- level of security
- affordable transaction fees
Cons
- limited marketing for newcomers
Flutterwave
| Category | Details |
|---|---|
| Short Summary | Flutterwave is one of the most trustworthy online payment platforms in Ghana. This gateway enables business owners to make and attain payments across miscellaneous channels. |
| Main Capabilities and Functionality | Payment links, invoices, global payments, multiple payment channels, currency conversion |
| Demands | A registered business or organization, a valid bank account |
| Accepted Modes of Payment | Credit and debit cards, bank transfers, USSD payments |
| Coverage Areas | Primarily accessible in Africa, and expanding to other regions globally |
| Supported Currencies | NGN, GHS, USD, EUR, etc. |
| Short SummaryFlutterwave is one of the most trustworthy online payment platforms in Ghana. This gateway enables business owners to make and attain payments across miscellaneous channels. | |
| Main Capabilities and Functionality Payment links, invoices, global payments, multiple payment channels, currency conversion | |
| DemandsA registered business or organization, a valid bank account | |
| Accepted Modes of PaymentCredit and debit cards, bank transfers, USSD payments | |
| Coverage AreasPrimarily accessible in Africa, and expanding to other regions globally | |
| Supported CurrenciesNGN, GHS, USD, EUR, etc. |
Pros
- global reach
- multi-currency support
- offers various payment variants
Cons
- not accessible in all countries
OPay
| Category | Details |
|---|---|
| Short Summary | OPay is an online payment gateway that authorizes business owners and shoppers to make and accept payments without effort |
| Main Capabilities and Functionality | Omnichannel payments, customized payment solutions, banking and bill payments |
| Demands | Business registration, bank account |
| Accepted Modes of Payment | Credit and debit cards, mobile money, OPay wallet balance |
| Coverage Areas | Primarily accessible in Ghana, Nigeria, and other African nations |
| Supported Currencies | GHS, NGN, and others |
| Short SummaryOPay is an online payment gateway that authorizes business owners and shoppers to make and accept payments without effort | |
| Main Capabilities and Functionality Omnichannel payments, customized payment solutions, banking and bill payments | |
| DemandsBusiness registration, bank account | |
| Accepted Modes of PaymentCredit and debit cards, mobile money, OPay wallet balance | |
| Coverage AreasPrimarily accessible in Ghana, Nigeria, and other African nations | |
| Supported CurrenciesGHS, NGN, and others |
Pros
- effortless integration for companies
- secure transactions
- accessible for both businesses and individuals
Cons
- limited international reach compared to global gateways
Theteller
| Category | Details |
|---|---|
| Short Summary | TheTeller is a fantastic payment gateway, offering rapid and dependable payment handling services for online businesses |
| Main Capabilities and Functionality | Transaction reports, speedy onboarding, multiple payment modes, intuitive dashboard |
| Setup Fee | Varies by business size and requirements |
| Demands | A registered business, website or e-commerce platform |
| Accepted Modes of Payment | Credit cards, mobile money, debit cards |
| Coverage Areas | Ghana, African countries, and more |
| Supported Currencies | GHS and other currencies |
| Short SummaryTheTeller is a fantastic payment gateway, offering rapid and dependable payment handling services for online businesses | |
| Main Capabilities and Functionality Transaction reports, speedy onboarding, multiple payment modes, intuitive dashboard | |
| Setup FeeVaries by business size and requirements | |
| DemandsA registered business, website or e-commerce platform | |
| Accepted Modes of PaymentCredit cards, mobile money, debit cards | |
| Coverage AreasGhana, African countries, and more | |
| Supported CurrenciesGHS and other currencies |
Pros
- uncomplicated integration with e-commerce platforms
- secure transactions
- the backing of numerous currencies
Cons
- restricted presence in some countries
Slydepay
| Category | Details |
|---|---|
| Short Summary | Slydepay is another well-liked payment gateway. Being one of the effective payment platforms in Ghana, it enables business owners to accept online payments easily. |
| Main Capabilities and Functionality | Mobile and online payments, payment links, multi-channel payment processing |
| Demands | Business registration, bank account |
| Accepted Modes of Payment | Credit/debit cards, mobile money |
| Coverage Areas | Primarily accessible in Ghana |
| Supported Currencies | GHS, NGN, UGX, and others |
| Short SummarySlydepay is another well-liked payment gateway. Being one of the effective payment platforms in Ghana, it enables business owners to accept online payments easily. | |
| Main Capabilities and Functionality Mobile and online payments, payment links, multi-channel payment processing | |
| DemandsBusiness registration, bank account | |
| Accepted Modes of PaymentCredit/debit cards, mobile money | |
| Coverage AreasPrimarily accessible in Ghana | |
| Supported CurrenciesGHS, NGN, UGX, and others |
Pros
- trouble-free integration with websites and applications
- numerous payment
- secure transactions
Cons
- limited global presence
Myghpay
| Category | Details |
|---|---|
| Short Summary | Myghpay is a payment gateway in Ghana designed for seamless online transactions. It delivers a platform for business owners and individuals to carry out payments rapidly. |
| Main Capabilities and Functionality | Secured online payment processing, multi-currency backing, handy checkout variants for customers |
| Setup Fee | Depends on the merchant’s package and location |
| Demands | Business registration, bank account, website or mobile platform for integration |
| Accepted Modes of Payment | Credit cards, mobile wallets, Gh-link-enabled cards |
| Coverage Areas5 | Accessible in selected African countries, specifically Ghana, Nigeria, and other parts of Africa |
| Supported Currencies | Primarily upholds local currencies like Ghanaian Cedi, Nigerian Naira, and other African currencies |
| Short SummaryMyghpay is a payment gateway in Ghana designed for seamless online transactions. It delivers a platform for business owners and individuals to carry out payments rapidly. | |
| Main Capabilities and Functionality Secured online payment processing, multi-currency backing, handy checkout variants for customers | |
| Setup FeeDepends on the merchant’s package and location | |
| DemandsBusiness registration, bank account, website or mobile platform for integration | |
| Accepted Modes of PaymentCredit cards, mobile wallets, Gh-link-enabled cards | |
| Coverage Areas5Accessible in selected African countries, specifically Ghana, Nigeria, and other parts of Africa | |
| Supported CurrenciesPrimarily upholds local currencies like Ghanaian Cedi, Nigerian Naira, and other African currencies |
Pros
- user-friendly interface
- flexible integration options
- helpful client support
Cons
- restricted accessibility in some countries
Hubtel
| Category | Details |
|---|---|
| Short Summary | Hubtel Payment Gateway is a dependable online payment solution that allows business owners to recieve payments online. It facilitates payments for physical goods, services, and digital products. |
| Main Capabilities and Functionality | Merchant dashboard for effortless management, invoices, payment links, mobile money, and card payments |
| Demands | A registered business, a valid email address |
| Accepted Modes of Payment | Debit/credit cards, mobile money, bank transfers |
| Coverage Areas | Primarily accessible in Ghana, with services extending to other African nations |
| Supported Currencies | GHS and local currencies depending on the region |
| Short SummaryHubtel Payment Gateway is a dependable online payment solution that allows business owners to recieve payments online. It facilitates payments for physical goods, services, and digital products. | |
| Main Capabilities and Functionality Merchant dashboard for effortless management, invoices, payment links, mobile money, and card payments | |
| DemandsA registered business, a valid email address | |
| Accepted Modes of PaymentDebit/credit cards, mobile money, bank transfers | |
| Coverage AreasPrimarily accessible in Ghana, with services extending to other African nations | |
| Supported CurrenciesGHS and local currencies depending on the region |
Pros
- user-friendly interface
- rapid transaction handling
- helpful customer support
- secure payment environment
Cons
- restricted to certain countries in Africa
FAQ
What payment method is actively employed in Ghana?
Well-liked payment in Ghana involve mobile money services, credit/debit cards, and bank transfers.
Is Flutterwave accessible in Ghana?
Yes, Flutterwave is accessible in Ghana. It allows businesses and individuals to make payments and attain funds through miscellaneous methods.
