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.
PayU
PayU runs a global payment orchestration and multi-acquiring platform that came from Zooz, a company founded in 2010 in Tel Aviv with a presence in Amsterdam…
PeoplesPay
PeoplesPay is a mobile and web platform in Ghana for collecting and sending payments. It works with bank accounts and mobile wallets and covers bulk payouts…
Sao Payments
Sao Payments combines an e-wallet, QR payments, payment links, an API and POS terminals. The company operates in West and Central Africa and offers businesses…
SeerBit
SeerBit is a payment provider and gateway operating in nine African countries. It covers online acceptance, in-store payments, recurring billing and embedded…
Simple.app
Simple.app is a payment provider founded in 2021. It combines crypto processing, mass payouts and P2P transfers, serving companies in crypto, e-commerce and…
Skrill
Skrill is a payment system that has been running since 2001. It combines an e-wallet, bank transfers, a mobile app and an API for businesses. Payment methods…
Sticpay
Sticpay is a payment system founded in 2017. It combines an e-wallet, acquiring for businesses and a mobile app, and supports both fiat and crypto assets…
Swapple
Swapple is a payment provider founded in 2024. It specialises in P2P transfers and crypto processing and works with projects in betting, gambling, binary…
Telecel Cash Ghana
Telecel Cash is a mobile money service in Ghana, a mobile wallet for transfers and payments. Its operator is Telecel Ghana Mobile Financial Services LTD, a…
UniTeller Financial Services
UniTeller is a network for cross-border money transfers and business payments. The company handles pay-ins, sends payouts to recipients and operates through a…
Wise
Wise is an international payments service whose business offering combines a multi-currency payment account, FX, international transfers and batch payouts. The…
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.