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.
IT Consortium
IT Consortium is a Ghanaian company that built the TransFlow payment ecosystem. TransFlow is middleware that connects banks and mobile money operators to…
Jeton Wallet
Jeton Wallet is a payment system with an e-wallet and virtual cards, founded in 2018. The service accepts top-ups from major card schemes and crypto wallets…
JuniPay
JuniPay is a payment provider from Ghana for accepting payments, processing international transfers and sending mass payouts to bank accounts and mobile…
Jupiter
Jupiter is a payment provider founded in 2024 that offers P2P transfers and crypto processing connected via API. The company openly works with betting and…
Kora
Kora is a payment service provider for African markets that covers two tasks: collecting payments via payment links and making payouts. It operates in seven…
LemFi
LemFi is an international money transfer service that works through a mobile app. Money can be sent from Canada, the United States, the United Kingdom and…
Liberte Pay LTD
Liberte Pay LTD is a payment provider and aggregator from Ghana holding a PSP Enhanced licence from the Bank of Ghana. The company connects merchants to its…
Mamlaka
Mamlaka is a Kenyan payment provider for collecting and sending payments. Merchants sign up through a self-onboarding portal, pass online KYC and integrate via…
Moolre LTD
Moolre LTD is a payment platform for businesses in Ghana. The company is listed by the Bank of Ghana in the PSP Enhanced category and accepts card, bank and…
MTN MoMo
MTN MoMo is a mobile money service in Ghana. Users send and receive transfers, pay bills and receive money from abroad via the app and their phone, while cash…
MuchBetter
MuchBetter is an e-wallet that has been running since 2016. Users top up a balance and spend it at merchant checkouts that support this payment option, which…
Mukuru
Mukuru is a money transfer service focused on Africa and international corridors. Its page for senders in Malawi lists recipients in African countries, Asia…
Onafriq
Onafriq is payment infrastructure for cross-border transactions across Africa, built around a mobile money hub that the company says connects more than 500…
Paswix
Paswix is a Lithuanian electronic money institution operating through Payswix, UAB, based in Vilnius. The company says it has served businesses and individuals…
pawaPay
pawaPay brings African mobile-money wallets together under one API for collections, payouts and refunds. In most countries it works as an aggregator, while in…
PayAngel
PayAngel handles international transfers for individuals and business payments: collections, wallets and payouts. Money is sent from the UK, the US, Canada and…
Paycode Ghana LTD
Paycode Ghana is a biometric identity and digital payments platform for remote areas. Its smart cards and POS terminals process transactions offline, with no…
Paystack
Paystack is a payment gateway and orchestrator for African businesses, founded in 2015 in Lagos and now part of Stripe. It handles online and in-person…
Services in Ghana
Payment providers by country
Subsections
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.