How do you pay online in Ghana?
Mostly with a mobile money prompt: the shopper enters a phone number and approves the payment on MTN MoMo, Telecel Cash or AT Money. Cards and bank transfers come next, and Paystack added Pay with Bank Transfer for all Ghanaian merchants in October 2025 for larger amounts.
In detail
Mostly with a mobile money prompt: the shopper enters a phone number and approves the payment on MTN MoMo, Telecel Cash or AT Money. Cards and bank transfers come next, and Paystack added Pay with Bank Transfer for all Ghanaian merchants in October 2025 for larger amounts.
How people pay in Ghana in 2026
Ghana is a mobile money market. The Bank of Ghana's Payment Systems Oversight Annual Report counts GH¢4.54 trillion of mobile money transactions in 2025, up 50.8%, across 9.7 billion transactions, 26.7 million active accounts and 491,057 active agents. In December 2025 alone, wallets moved GH¢518.4 billion in 982 million transactions. MTN's MobileMoney Ltd reported GH¢4.1 trillion and 19.3 million active users for the year, which makes MTN MoMo the default way to pay a shop, a rider or a utility bill.
Payment by bank transfer in Ghana
At checkout, the instant payment option is spreading. Paystack enabled Pay with Bank Transfer for all its Ghanaian merchants in October 2025, generating a one-time account number for each purchase, aimed at amounts above mobile money wallet limits.
More detail in our #PayWorldTour guide Payment methods in Ghana.