Ghana · GHS
What we charge, in full
Most platforms make you find this out later. Here is everything, on one page — the rate, the cap, the floor, what happens on a refund, and the things we never charge for.
| What it is | Free | Growth | Business |
|---|---|---|---|
| Mobile money | 2.5% + GH₵0.50 | 2.5% + GH₵0.50 | 2.5% + GH₵0.50 |
| Bank transfer | 2.5% + GH₵0.50 | 2.5% + GH₵0.50 | 2.5% + GH₵0.50 |
| Card | 3.0% + GH₵0.50 | 3.0% + GH₵0.50 | 3.0% + GH₵0.50 |
| Most you'll ever payPer payment. Where a rail has no ceiling of its own, neither can our fee — a cap below an uncapped cost is a promise we would have to withdraw | Mobile money: no cap · Bank transfer: no cap · Card: no cap | Mobile money: no cap · Bank transfer: no cap · Card: no cap | Mobile money: no cap · Bank transfer: no cap · Card: no cap |
| International cardsAdded to the rate above. The cap does not apply, because the interchange does not cap | +2.0% | +2.0% | +2.0% |
| Payout to your bank or mobile money | GH₵2 | GH₵2 | GH₵2 |
| RefundWe charge nothing to make one. The rate on the original payment is not returned | Free | Free | Free |
| ChargebackOnly where a card scheme raises one against you | At cost | At cost | At cost |
The rate is the whole fee. It already contains what the bank and the card scheme take — we do not itemise their cut back to you and then add ours — and it drops as you move up a plan.
Prices include the combined VAT, NHIL and GETFund levy. The number you see is the number you pay.
Who pays the fee
Your customer does, by default. That is how this market already prices, and it means the number you quote is the number that reaches your wallet. Switch to absorbing it whenever you like — for everything, or just for international cards.
- Added at checkoutDefault
- The customer sees ₦10,000 + ₦200 fee = ₦10,200, itemised. Honest, and it keeps your price comparable to everyone else's. This is the default.
- Built into your prices
- Your catalogue prices are grossed up so the price shown is the price paid. Better for a storefront, and for a menu where a clean number matters. The fee still appears on the receipt as a component — never hidden.
- Small orders
- Set an amount below which you absorb the fee yourself. A ₦50 floor on a ₦300 sachet order is a 17% surcharge and your customer will notice, so this is worth switching on if you sell a lot of small things.
Passing the fee on card payments is restricted by card-scheme rules in some markets, so it stays switched off until our lawyers confirm it here. Transfer and mobile money are not affected.
On your own numbers
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.
What we don't charge for
- Setting up
- Your online store
- Invoices and receipts
- Customer records
- Reports
- Support
- When your money lands
- Money is in your wallet the moment a payment settles. Withdrawals to your bank land the same day.
- The fee you were quoted is the fee you pay
- It is fixed at the moment the order is priced. If we change a rate afterwards, an order you already took is unaffected.
If we change a fee
We tell you thirty days before it takes effect, in writing, and this page carries the date it last changed. A fee schedule you have to discover is not a fee schedule.
Comparing? The plans are here, and here is what this replaces.
Published, because you should not have to ask.
- Free to start
- No card
- Talk to a person any time