What you can do in Ghana
One Monerails account, one integration: here are the services open in Ghana.
Collections
Accept MTN MoMo, Telecel Cash and AirtelTigo Money through the API, on your website or in your app. The customer approves on their phone and the net amount lands on your GHS balance.
Payouts
Pay suppliers, staff and customers by MTN MoMo, Telecel Cash and AirtelTigo Money, one by one or in bulk, with a status for every payout.
Settlements
Move your GHS balance to your mobile money or bank account whenever you want, priced like a payout.
Payment links
Create a link in seconds and share it by WhatsApp, SMS, email or QR code: your customer pays in Ghana with their wallet, no website needed.
Virtual USD cards
Visa and Mastercard dollar cards for your team, your customers living in Ghana and your AI agents, accepted online worldwide.
API and webhooks
A REST API, a free test mode, idempotent requests and signed webhooks. Country code: GH, currency: GHS.
Supported operators in Ghana
Your customers pay from
You pay out to
Indicative list. The current list, with how each operator approves payments, is returned by the API:
GET /v1/operators?currency=GHSMobile money in Ghana
In Ghana, amounts are sent in whole cedis: in minor units (pesewas), the amount is a multiple of 100. Ghana is the default GHS country, so the country field is optional. For a French-speaking business expanding into English-speaking Africa, it is often the first market after the CFA zone.
Use cases in Ghana
Fintech and apps
Top up in-app wallets with MTN MoMo, Telecel Cash or AirtelTigo Money and track each status by webhook.
Expanding from the CFA zone
Add Ghana to your Ivorian or Togolese offer with no new integration: only the currency changes.
Work platforms
Pay freelancers and riders in Accra and Kumasi in cedis, one by one or in bulk.
How it works
Open your account
Create your account in minutes and get your test keys: test mode is free, with test numbers for every country we cover.
Integrate, or go no-code
Call POST /v1/collections with "currency": "GHS" from your server, or create a payment link from the dashboard, with no development.
Go live
Once your business is verified, your live keys collect and pay out in Ghana. Every operation is confirmed by a signed webhook.
Pricing in Ghana
Mobile money
Collection and payout fees in Ghana are published country by country on the price list, with no subscription or setup fee: see the price list. Every fee is shown before you confirm.
See the price listVirtual USD cards
Frequently asked questions
Which mobile money operators are available in Ghana?
MTN MoMo, Telecel Cash and AirtelTigo Money, for collections and payouts alike. The current list, with how each operator approves payments (PIN or one-time code), is returned by GET /v1/operators?currency=GHS&country=GH.
Which country code and amount format should I use?
The country code is GH, the default for GHS, so the country field is optional. GHS amounts are in minor units and must be multiples of 100 (whole units): "amount": 250000 means GH₵2,500.
Do I need a website to collect in Ghana?
No. A Monerails payment link opens a page where your customer chooses MTN MoMo, Telecel Cash or AirtelTigo Money, enters their number and approves. You share it by WhatsApp, SMS, email or QR code, and every payment shows up in your dashboard.
Can I issue virtual cards to people living in Ghana?
Yes. Virtual Visa and Mastercard dollar cards are issued to cardholders living in the countries we cover, Ghana included. A card costs $1, funding it is free, and it works online wherever Visa or Mastercard is accepted.
Neighbouring countries we cover
Documentation: docs.monerails.com/coverage · Collections guide
Ready to get started in Ghana?
Open an account in minutes. Test mode is free, with no subscription.