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Payment methods, providers and fees in Ghana, grouped by who provides each rail and what each product charges.
Latest fee change recorded 17 Aug 2025
Priced in this market
Operating here
Across every channel
That fees here are charged in
Mobile money · Online · since
1.5%, capped at GHS 22.93
1.50% on GHS 1,170.30
Card · Online · since
1.95%
1.95% on GHS 1,170.30
12 products from 11 providers are priced here, including MTN Mobile Money, Paystack Card & bank, Stablecoin settlement (USDC / USDT), Flutterwave, Verve, Visa / Mastercard International acceptance.
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.
On the equivalent of $100, checkout rails only
1 product priced in Ghana
Crypto · Online · since
GHS 0.57
0.05% on GHS 1,170.30
Card · Online · since
1.4%
1.40% on GHS 1,170.30
Card · Online · since
1.5%, capped at GHS 2,000.00
1.50% on GHS 1,170.30
Card · Online · since
Also priced for Chargeback, Currency conversion
3.4% + GHS 3.44
3.69% on GHS 1,170.30
3% + GHS 22.93
4.96% on GHS 1,170.30
Real-time payment · Payout · since
0.5%
0.50% on GHS 1,170.30
No fee
0% on GHS 1,170.30
Card · Currency conversion · since
1%
1% on GHS 1,170.30
Mobile money · Online · since
1.2%, capped at GHS 22.93
1.20% on GHS 1,170.30
3.5% + GHS 28.66
5.95% on GHS 1,170.30
Of the rails a business can accept online, M-Pesa (regional markets) costs least on the equivalent of $100: 1.2%, capped at GHS 22.93. The ranking can change at other amounts.
GHS: every fee recorded for Ghana is priced in it.
Of 17 fee records, 1 is published by the provider, 2 are reported by a scheme, a regulator or wide documentation, and 14 are estimated. Each fee shows which it is and when it took effect.
Corridor pages price one route at a time, which is a different question from what a rail costs in this market.
