Quick Answer: How do I accept credit card payments in Ghana?

What is the procedure for accepting payment by credit card?

There are 4 ways you can process debit or credit card payments.

  1. Online Merchant Gateway Like PayPal Or Stripe. …
  2. Merchant Account With A Bank. …
  3. Payment Processing Company Like Ezidebit. …
  4. Pin Payments – Payment Gateway & Merchant Accounts Combined. …
  5. Mobile Card Reader To Accept Credit Cards On Your Phone Or With Separate Reader.


Are credit cards accepted in Ghana?

Credit cards are widely accepted throughout Ghana, especially at large hotels and restaurants. Visa cards have wider acceptance, followed by Mastercard and American Express.

What is the best way to accept payments online?

5 Ways Your Business Can Accept Payments

  1. Credit and debit cards. 75% of customers say they prefer to pay with a debit or credit card, whether they’re paying online or in person. …
  2. ACH processing. ACH processing is another popular way to accept payments. …
  3. Recurring billing subscription. …
  4. PayPal, Stripe and Square. …
  5. Contactless payment systems.
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Is American Express accepted in Ghana?

Card payment

VISA and American Express are the most commonly accepted credit cards in Ghana. Mastercard is not common in Ghana.

What is the cheapest way to accept credit card?

Square: Cheapest credit card processing with no monthly fee. Dharma Merchant Services: Cheapest for storefronts and restaurants. PayPal: Cheapest payment processing for occasional sales. Stripe: Cheapest for online businesses.

How can I accept credit card payments without fees?

Use a payment service provider

Payment service providers allow you to accept credit card payments without setting up a merchant account. Common providers include companies like Square, Stripe and PayPal. The benefit of choosing this method is that you’ll pay a flat rate fee and there are no set up fees.

How much cash should I carry to Ghana?

According to the U.S. Department of State’s Bureau of Consular Affairs, those traveling into and out of Ghana are restricted to bringing a maximum of $5,000 either way.

How much can I withdraw from ATM in Ghana?

Withdrawal limits depend on the bank, and generally range from 200 to 400 Cedis. This means multiple transactions are often needed and transaction fees can mount up. Major hotels take debit/credit cards, but cheaper accommodations, tourist sites and smaller restaurants tend to only take cash.

Can I use cash up in Ghana?

Can I use a cash App in Ghana? Cash App does not work internationally — you cannot make payments to someone in a different country.

What is the cheapest way to accept online payments?

Square is a very affordable way to start accepting payments using a mobile device like a smartphone or tablet. The first card swipe device is free, mailed to you by Square when you sign up for a merchant account. You are charged 2.75 percent per swipe with no monthly fee or 0 percent per swipe for $275 per month.

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How do I get paid electronically?

With that in mind, here’s a closer look at 7 common, and effective, ways that business owners can get paid online.

  1. Accept credit and debit cards online. …
  2. Use ACH processing to accept eChecks. …
  3. Join the blockchain. …
  4. Provide an online payment gateway. …
  5. Transfer fund through apps. …
  6. Click-to-pay email invoicing.


How can I receive free payments?

How to Receive Payments Online for Free

  1. Create a secure online payment gateway.
  2. Facilitate credit and debit card payments.
  3. Set up recurring billing.
  4. Accept mobile payments.
  5. Accept cryptocurrency payments.
  6. Use email invoicing.
  7. Accept electronic checks (eChecks).


Can I use debit card in Ghana?

You can also use your GCB debit card to shop at many stores in Ghana, instead of carrying cash around. When using the card to make purchases or cash withdrawal, the amount is instantly deducted from your bank account and recorded in your account statement.

Can I use Nigeria ATM in Ghana?

A news item on Vanguard’s website indicates that Nigerian-issued Etranzact cards can be used on Etranzact-linked ATMs in Ghana and vice-versa: A very big one is the possibility of Nigerian and Ghanaian eTranzact cardholders to withdraw cash from any ATM in Nigeria and Ghana and have their accounts debited accordingly.

Which bank uses American Express?

The credit unions and banks that offer American Express credit cards include Wells Fargo, U.S. Bank, USAA, Navy Federal and American Express itself, among others. Third-party-issued Amex cards aren’t all that common because American Express is both a card issuer and a card network.

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Hai Afrika!