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Yearly is 2 months free — you pay for 10.

Smilelink plans in Ghana
What you getFreeGH₵0For getting startedStart freeGrowthGH₵89/monthFor a business with staffGet started freeBusinessGH₵219/monthFor a real operationGet started free
Team members15Unlimited
Locations11Unlimited
Transaction rate — mobile money2.5% + GH₵0.502.5% + GH₵0.502.5% + GH₵0.50
Transaction rate — bank transfer2.5% + GH₵0.502.5% + GH₵0.502.5% + GH₵0.50
Transaction rate — card3.0% + GH₵0.503.0% + GH₵0.503.0% + GH₵0.50
Selling on WhatsApp, Instagram & FacebookIncludedIncludedIncluded
Online storeIncludedIncludedIncluded
Set up for your tradeIncludedIncludedIncluded
Orders, invoices & receiptsIncludedIncludedIncluded
Customers & calendarIncludedIncludedIncluded
InventoryIncludedIncludedIncluded
Wallet & expensesIncludedIncludedIncluded
Accounting & reportsNot includedIncludedIncluded
Your accountant's loginDoesn't use a seatNot includedIncludedIncluded
Your own domainNot includedConnect or buyConnect or buy — first year free
Delivery & ridersNot includedIncludedIncluded
Reminders & follow-ups that run themselvesNot includedIncludedIncluded
Campaigns with resultsNot includedIncludedIncluded
Staff & salariesNot includedNot includedIncluded
Multi-currency walletsNot includedNot includedIncluded
SupportWhatsAppPriority WhatsAppPriority + setup help

Every plan sells on every channel. We don't limit your orders, your customers, or how much you make — that would be a strange thing to charge you for.

Need more than five people on Growth? Extra seats are GH₵15 a month each. Your accountant's login doesn't use one.

Prices include the combined VAT, NHIL and GETFund levy. The number you see is the number you pay.

Which one?

Free if it's just you. Everything you need to sell and get paid, no card, no time limit.

Growth the day you add someone to your team — and it's usually the day the lower transaction rate starts paying for the plan by itself.

Business when you're running books, paying salaries, or opening a second place.

Transaction fees

One rate. That is the whole fee, and it drops as you move up. We never itemise a provider's cut back to you, and nothing else appears later.

The complete schedule, including payouts and refunds →

Transaction fees in Ghana, by payment method and plan
How your customer paysFreeGrowthBusinessMost you'll ever pay
Mobile money2.5% + GH₵0.502.5% + GH₵0.502.5% + GH₵0.50No cap
Bank transfer2.5% + GH₵0.502.5% + GH₵0.502.5% + GH₵0.50No cap
Card3.0% + GH₵0.503.0% + GH₵0.503.0% + GH₵0.50No cap
International cardsThe interchange genuinely costs more, so we say so rather than average it in+2.0%+2.0%+2.0%
To a mobile money walletGH₵2GH₵2GH₵2Any amount
To a bank accountBank payouts have a GH₵ 50 minimum. Requesting less costs GH₵ 5.GH₵12GH₵12GH₵12Any amount

Mobile money is cheaper than card because it costs us less. We pass that on rather than averaging it into one number that hides it.

Work it out on your own numbers

Move the sliders and watch which plan wins. Nothing is sent anywhere, and there is nothing to sign up for.

GH₵17,800
120
  • FreeCheapest here

    GH₵505

    GH₵0 plan + GH₵505 in fees

  • Growth

    GH₵594

    GH₵89 plan + GH₵505 in fees

  • Business

    GH₵724

    GH₵219 plan + GH₵505 in fees

At this volume, Free is the cheapest — everything you pay us works out at 2.84% of what you took. There is nothing else: no setup fee, no per-invoice charge, no monthly minimum.

Worked examples

On mobile money, on the Growth plan, shown the way the platform works by default: your customer covers the fee.

Three worked examples on mobile money, on the Growth plan, at the default setting where the customer covers the fee
OrderYour customer paysFeeYou receive
A waakye and stew orderGH₵62GH₵2GH₵60
A seamstress depositGH₵923GH₵23GH₵900
A weekend guest-house bookingGH₵1,845.50GH₵45.50GH₵1,800

By default your customer covers the fee, so your price is what reaches you. Prefer to absorb it? One switch in your dashboard, and you can do it for everything or just for international cards.

What we never charge for

setting up, your online store, invoices and receipts, customer records, reports, support — free on every plan, including the free one. Most of that list is something somebody else bills you for.

Questions about money

Do you charge more than what's shown?

No. Everything is on this page.

Why doesn't the card rate drop on Business?

Because our own card cost doesn't. Cards carry a fixed charge we can't discount away, so we'd be pretending. We drop the rate where we genuinely pay less — on bank transfers.

When do I get my money?

Money is in your wallet the moment a payment settles. Withdrawals to your bank land the same day.

Can I pass the fee to my customer?

Yes — that's the default, and it's how most businesses here already price. Switch to absorbing it any time, for everything or just for international cards. You can also show it added at checkout, or build it into your prices so customers see one clean number.

What about small orders?

You can set an amount below which you absorb the fee yourself — worth doing if you sell a lot of small items.

What if I outgrow Free?

Nothing stops working. You'll be asked to upgrade when you add a team member — your sales never get capped.

Can I change plans?

Any time, both directions. Yearly plans are prorated.

What if I stop paying?

Your data is yours. Export everything, any time. Your domain stays yours too — including one we paid for.

Something not answered here? Ask us on WhatsApp.

Start free. Upgrade when the volume says so.

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