Payment providers in Ghana
Payment providers in Ghana: PSPs, payment gateways and aggregators for pay-ins and payouts — local methods, rates and onboarding terms. Listings: 63.
Business Expansion LLC
Business Expansion is a business infrastructure and international expansion partner helping iGaming, Web3 and FinTech businesses establish, structure and scale…
AfiPayments
AfiPayments helps small businesses pay partners and get paid across borders without heavy banking infrastructure. Payments run through bank accounts and mobile…
Brassica Pay
Brassica Pay is a payment provider and e-wallet in Ghana. The platform serves both individuals and companies: it collects payments, runs bulk payouts and lets…
Broadspectrum Digital Payments
This Ghanaian provider combines e-wallets, payment routing and processing. The company runs a live system for collecting electricity bill payments across nine…
Capitalist
Capitalist is a payment system operating since 2014. Its core use case is mass payouts via API: a business can send money to partners and contractors across…
Chipper Cash
Chipper Cash is a money transfer and multi-currency wallet platform that opens its network to businesses through a Network API. The company is listed in the…
dLocal
dLocal is a Montevideo-based payment platform founded in 2016 and listed on NASDAQ (DLO). It gives international companies one API and one contract for…
Emergent Payments Ghana Limited
Emergent Payments Ghana Limited runs a payment acceptance and payout platform for Ghana. It supports one-off and recurring payments, transfers and customer…
Enza Payment Services
Enza builds payment infrastructure for Africa and covers acquiring at several levels, from transaction processing to ATMs. The company has confirmed the launch…
Ereus PSP
The provider was founded in 2024. It offers P2P processing and crypto processing for betting, gambling, gaming and crypto projects, and settles with merchants…
eTranzact Ghana LTD
eTranzact in Ghana offers payment solutions for two audiences at once, banks and businesses. The company covers online and mobile wallet acceptance, bulk…
expressPay
expressPay is a payment platform in Ghana covering payment acceptance, bill payments, transfers and bulk payouts. Businesses pick the channel that fits their…
Fast Pace Transfer LTD
This is a Ghanaian money transfer company and payment provider. It processes international payments coming into Ghana and pays them out to recipients' bank…
Flutterwave
Flutterwave is a payments platform for acceptance, payouts and cross-border transactions with a strong footprint in Africa. It was founded in 2016 and is based…
Fondy
Fondy is a payment service provider founded in 2016. It accepts international card payments, serves marketplaces and can split payouts between several parties…
Global Accelerex Ghana LTD
Global Accelerex Ghana LTD is an e-payment and fintech provider for businesses in Ghana. It covers in-store acceptance, mobile money and electronic transfers…
Hello Paisa
Hello Paisa is an international money transfer service from South Africa. Money can be sent through a mobile app, a USSD menu or an agent network, and the…
Hubtel LTD
Hubtel is a payment acceptance and cash flow management platform for businesses in Ghana. It brings online and in-person payments together: mobile money…
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Payment service providers in Ghana
Ghana is one of West Africa's most active mobile money markets: MTN MoMo dominates, and wallets are interoperable with each other and with bank accounts. This page lists {count} payment gateways and payin payout providers working with Ghanaian cedi (GHS).
Local payment methods in Ghana
- Mobile money: MTN Mobile Money, Telecel Cash (formerly Vodafone Cash) and AirtelTigo Money; payments are approved with a USSD or app prompt.
- Bank transfers via GhIPSS instant pay and mobile money interoperability.
- Cards, mainly Visa and Mastercard, plus GhanaPay and QR payments.
- E-wallets and crypto for remittances and P2P.
Regulation
Payment service providers and electronic money issuers are licensed by the Bank of Ghana, with separate licence categories for enhanced PSPs, medium PSPs and payment and technology solution providers. Betting operators are licensed by the Gaming Commission of Ghana. An electronic transfer levy applies to some mobile money transactions, which affects pricing.
Betting, remittances and payouts
Sports betting, remittances, savings and lending apps are large verticals. B2C payouts to MoMo wallets are needed for withdrawals, loan disbursements and gig-worker pay — check payout limits per wallet tier and the float you must keep with the provider. See payouts and mobile money PSPs.
How to choose a Ghanaian PSP
- Coverage of all three networks, not just MTN
- Prompt success rate and callback reliability
- Fees for collections vs disbursements, including levies
- Settlement in GHS or USD, and FX conversion
Related: banks in Ghana, liquidity, tech providers, high-risk merchants. Compare offers or post a request.