A payment gateway is a technology solution that enables businesses to accept online payments by securely processing transactions between buyers and sellers. It acts as an intermediary, transferring the payment information from the customer to the payment processor and ensuring that funds are securely moved from the buyer’s account to the seller’s account. The system works by encrypting sensitive payment data, such as credit card numbers or bank details, to protect both parties involved in the transaction. By integrating a payment gateway, businesses can provide their customers with a seamless and secure way to make payments, whether for goods or services, ensuring a smooth transaction process and reducing the risks of fraud or errors.
The best payment gateway for Ghana in our rating is NOWPayments because it offers seamless integration, low transaction fees, and strong support for cryptocurrencies. This makes it a top choice for businesses in Ghana looking for a reliable and efficient payment solution that accommodates both local and international payments. With the growing popularity of digital payment methods and mobile money services like MTN Mobile Money, NOWPayments provides a versatile and secure platform to accept payments online.
Choosing the right payment gateway for businesses in Ghana is essential as the digital payment landscape evolves rapidly. In 2026, businesses need to be able to accept payments via multiple methods, including card payments, mobile money, and bank transfers, to meet the diverse preferences of customers. The best payment gateway will provide a range of payment options, ensuring businesses can easily collect payments from both local and international customers. Payment providers like Paystack and Flutterwave are also popular choices in Ghana, providing excellent integration with local payment methods and mobile money services, which are particularly important for consumers who rely on mobile payment apps and wallets for transactions.
Here’s a list of payment gateways for Ghana:
- NOWPayments
- Paystack
- Flutterwave
- Theteller
- DPO
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
The goal of our comparison is to provide an unbiased and thorough evaluation based on features that are most relevant for businesses in Ghana. We focused on criteria that would ensure businesses can operate smoothly, scale efficiently, and provide a secure, cost-effective experience for their customers.
Here are the three most relevant criteria we considered for businesses in Ghana:
- Geo-Specific Suitability: Essential for ensuring local customer acceptance and compliance with Ghana’s financial regulations, especially as mobile money services like MTN Mobile Money are widely used.
- Fee Structure & Transparency: Directly impacts profitability for businesses in Ghana, where cost-effective payment solutions are crucial for both local and international transactions.
- Supported Cryptocurrencies & Conversion: Important for businesses seeking to tap into the growing cryptocurrency market in Ghana, offering customers alternative payment methods with low conversion fees.
The comparative table below summarizes how each gateway performs in these three decisive categories, which we will explore in detail for each provider.
| Payment Gateway | Payment Method Support | Transaction Fees | Integration Tools |
|---|---|---|---|
| NOWPayments | 350+ cryptocurrencies, stablecoins, crypto-to-fiat. | 0.5% for same crypto payments; 1% for conversions. | API, payment widgets, payment buttons, e-commerce integrations. |
| Paystack | Cards (Visa, Mastercard), mobile money (MTN, Vodafone), bank transfers, Apple Pay, QR, POS. | 1.95% per transaction. | APIs, SDKs, WooCommerce, Shopify, mobile app. |
| Flutterwave | Cards, mobile money, bank transfers, USSD, international payments. | ~2.6% for local payments; ~4.8% for international. | APIs, SDKs, WooCommerce, Shopify plugins. |
| Theteller | Cards (Visa/Mastercard), mobile money (MTN, Airtel-Tigo, Vodafone), mobile wallets. | 1.5%–3% (negotiated per merchant). | API, SDKs, WooCommerce plugin. |
| DPO | Cards (Visa, Mastercard), mobile money, multi-currency payments. | 2%–3% per transaction. | API, hosted payment pages, shopping cart plugins. |
NOWPayments as the best payment gateway in Ghana
NOWPayments is the best crypto payment gateway that allows businesses to accept payments in over 350 cryptocurrencies and stablecoins. Its low fees and seamless integration make it a top choice for businesses looking to accept both digital and traditional currencies. NOWPayments stands out due to its robust support for cryptocurrency payments, allowing users to process transactions with minimal costs and maximum efficiency. This gateway is particularly ideal for businesses targeting global, tech-savvy customers and those in the growing cryptocurrency market.
Payment method support. NOWPayments supports over 350 cryptocurrencies, including major coins like Bitcoin, Ethereum, and stablecoins such as USDT and USDC. This extensive selection ensures businesses can cater to a wide array of customer preferences, particularly in a growing digital payment market. Additionally, the platform supports crypto-to-fiat payments, providing the flexibility needed for businesses that want to convert crypto into local currency. This feature is crucial for businesses operating in crypto-friendly regions or looking to tap into the digital economy.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cryptocurrency | ✅ | ✅ |
| Stablecoins | ✅ | ✅ |
| Fiat Conversion | ✅ | ✅ |
Transaction Fees. NOWPayments is known for its transparent and competitive fee structure. The platform charges 0.5% for payments made in the same cryptocurrency, which is among the lowest in the market. When conversions between cryptocurrencies or to fiat are involved, a 1% fee is applied, making it an affordable option for businesses. This clear pricing structure allows businesses to calculate their transaction costs easily without hidden fees.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 0.5% | For payments in the same crypto |
| Conversion Fee | 1% | For crypto-to-fiat conversions |
Integration Tools. NOWPayments offers a variety of integration options to help businesses get started quickly. The platform provides an easy-to-use API for developers, as well as plugins for popular e-commerce platforms like WooCommerce. It also offers payment buttons and links for businesses looking for simple integration without the need for extensive technical expertise. These tools allow businesses to begin accepting payments with minimal setup time and effort.
| Tool / Integration | Available |
|---|---|
| API | ✅ |
| E-commerce Plugin | ✅ |
| Payment Links | ✅ |
Paystack payment gateway in Ghana
Paystack is a leading payment gateway in Africa, known for its simplicity and wide range of supported payment methods. It allows businesses to accept payments through cards, mobile money, bank transfers, and digital wallets. With its easy-to-integrate solutions, Paystack is a popular choice for startups and large enterprises alike, especially in Nigeria and Ghana. The platform’s robust developer tools and local payment support make it a go-to choice for businesses seeking a seamless online payment experience.
Payment Method Support. Paystack supports local payment methods like MTN Mobile Money, Vodafone Cash, AirtelTigo, as well as international card payments (Visa, Mastercard). It also supports Apple Pay, QR codes, and POS payments, allowing businesses to cater to a wide range of customer preferences. The integration of mobile wallets is especially useful for customers who rely on mobile money services for transactions. Paystack’s broad range of payment methods ensures businesses can capture a larger audience both locally and internationally.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cards | ✅ | ✅ |
| Mobile Money | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Transaction Fees. Paystack charges a1.95% fee for all transactions, whether processed via card payments, mobile money, or bank transfers. This fee is consistent for both local and international payments. Paystack also has no setup or monthly fees, making it a cost-effective solution for small and medium businesses. The transparent pricing structure ensures businesses know their transaction costs upfront, with no hidden fees.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 1.95% | For all payment methods |
Integration Tools. Paystack offers easy integration through APIs, SDKs, and pre-built plugins for popular platforms like WooCommerce, Shopify, and Magento. The well-documented developer tools allow businesses to integrate Paystack into their websites or mobile apps quickly and efficiently. Paystack also offers a mobile app for managing payments and transactions on the go. Its user-friendly interface makes it easy for businesses to monitor transactions and access detailed reporting.
| Tool / Integration | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Payment Links | ✅ |
Flutterwave payment gateway in Ghana
Flutterwave is a payment gateway that offers a comprehensive solution for businesses in Africa, enabling them to accept payments from anywhere in the world. With support for multiple payment methods including cards, mobile money, and bank transfers, it is well-suited for businesses that operate internationally. Flutterwave’s focus on secure and fast payment processing, combined with its developer-friendly tools, makes it a preferred solution for large enterprises and e-commerce businesses. Its broad range of features and competitive pricing have earned it recognition as one of Africa’s top payment gateways.
Payment Method Support. Flutterwave offers a wide range of payment methods, including card payments, mobile money, bank transfers, and USSD payments. It supports Visa, Mastercard, and other international payment options, allowing businesses to handle both local and cross-border transactions. Flutterwave also supports mobile money options such as MTN Mobile Money, which is essential for businesses targeting customers in Ghana. The platform’s diverse payment options ensure businesses can reach customers across Africa and beyond.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cards | ✅ | ✅ |
| Mobile Money | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Transaction Fees. Flutterwave charges 2.6% for local transactions (cards and mobile money) in Ghana and 4.8% for international card payments. These fees are competitive in the region and allow businesses to accept both local and international payments efficiently. While the fees may be higher for international payments, the platform’s support for cross-border payments makes it an attractive option for global businesses. Flutterwave’s transparent pricing helps businesses plan their payment costs effectively.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 2.6% | For local transactions |
| Transaction Fee | 4.8% | For international cards |
Integration Tools. Flutterwave provides an easy-to-use API, SDKs, and plugins for popular e-commerce platforms like WooCommerce, Shopify, and Magento. The platform’s developer tools are well-documented, making it easy to integrate with existing websites and mobile apps. Flutterwave also offers a comprehensive dashboard for managing payments and tracking transactions in real-time. This flexibility ensures businesses can deploy Flutterwave quickly and efficiently.
| Tool / Integration | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Payment Links | ✅ |
Theteller payment gateway in Ghana
Theteller is a payment gateway that specializes in serving businesses in Ghana and the broader West African region. It provides a wide variety of payment options, including cards, mobile money, and bank transfers. What sets Theteller apart is its focus on mobile money services, making it a great choice for businesses looking to target customers who prefer using their mobile wallets for payments. The gateway’s user-friendly setup and competitive fees make it an attractive solution for small- to medium-sized businesses in the region.
Payment Method Support. Theteller primarily supports local payment methods, including Visa and Mastercard, along with popular mobile money services like MTN and Airtel-Tigo. Currently, Theteller does not support cryptocurrency payments, focusing on traditional and mobile-based payment methods instead. This makes it a strong contender for businesses that serve local customers in Ghana, where mobile money services dominate. The platform’s ability to handle both card payments and mobile wallet transactions is a key advantage for local businesses.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cards | ✅ | ✅ |
| Mobile Money | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Transaction Fees. Theteller offers flexible pricing based on the merchant’s transaction volume, with fees generally ranging between1.5% to 3%. This variation is typically negotiated with the merchant and depends on the scale and type of business. Theteller’s transparency in pricing makes it easy for businesses to understand the cost of transactions. Its clear fee structure ensures no hidden charges, providing businesses with predictable payment processing costs.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 1.5%-3% | Based on merchant negotiation |
Integration Tools. Theteller offers an easy-to-use API and SDKs for quick integration with existing business systems. It also provides plugins for popular e-commerce platforms like WooCommerce, ensuring businesses can quickly set up their payment systems without much technical overhead. Theteller’s simplicity and fast setup make it a good choice for smaller businesses and those new to online payments. With real-time transaction tracking and support for multiple currencies, businesses can manage payments effectively.
| Tool / Integration | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Payment Links | ✅ |
DPO payment gateway in Ghana
DPO (Direct Pay Online) is a robust payment gateway that provides secure and efficient payment processing for businesses across Africa. With support for both international and local payments, it enables businesses to accept payments from customers around the world. DPO’s focus on providing a secure and reliable payment system, combined with its comprehensive features, makes it a popular choice for large enterprises and e-commerce platforms. The platform’s wide range of supported payment methods and global reach makes it a great choice for businesses looking to scale.
Payment Method Support. DPO does not currently support cryptocurrencies but offers extensive support for traditional payment methods such as credit cards, mobile money, and bank transfers. The platform allows businesses to accept payments from customers worldwide, with support for multiple currencies. DPO’s focus on local payment systems, such as mobile wallets, ensures it meets the needs of businesses in Ghana. Its ability to accept international payments makes it a strong choice for businesses with cross-border customers.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cards | ✅ | ✅ |
| Mobile Money | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Transaction Fees. DPO’s transaction fees range between 2% and 3%, depending on the merchant agreement and the transaction type. This pricing is standard for payment gateways in the region, ensuring that businesses can predict costs accurately. DPO does not have hidden fees, offering transparency in its pricing structure. This makes it a reliable choice for businesses that need to control payment processing costs.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 2%-3% | Varies by merchant |
Integration Tools. DPO offers a variety of integration options, including APIs, hosted payment pages, and shopping cart plugins. The platform provides an easy-to-use interface for developers, making it simple to integrate into existing websites and mobile apps. With strong security features and support for multiple currencies, DPO helps businesses expand globally while ensuring secure and seamless payment processing. This flexibility ensures that businesses can scale quickly without worrying about payment infrastructure.
| Tool / Integration | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Payment Links | ✅ |
Conclusion
In this analysis, we’ve explored some of the best payment gateways available in Ghana, including NOWPayments, Paystack, Flutterwave, Theteller, and DPO. Each payment service provider offers a variety of solutions for businesses in Ghana and across Africa, enabling them to accept online payments, whether via card payments, mobile money wallets like MTN Mobile Money, or bank transfers. Choosing the right payment processor is critical for businesses looking to build a reliable payment infrastructure that supports multiple payment methods, enhances the customer payment experience, and ensures secure and efficient transactions. Whether businesses are focusing on local payment methods or seeking to manage international payments and cross-border transactions, these payment platforms provide the necessary tools to handle both.
NOWPayments stands out as the best payment gateway in Ghana, offering businesses the flexibility to accept payments via various cryptocurrencies and digital wallets, alongside traditional payment options. Its low transaction fees and seamless integration with e-commerce platforms make it the top payment gateway for businesses that want to stay ahead in the digital economy. NOWPayments not only provides the capabilities to accept payments online, but also supports alternative payment methods, enabling businesses to reach a broader customer base. With its competitive pricing, ease of integration, and comprehensive support for mobile payment solutions, NOWPayments is the optimal choice for forward-thinking businesses in Ghana, making it the leading payment gateway for local and global transactions.