The way Ghanaians pay has evolved dramatically over the past decade. Mobile money is now a household name, while innovative gateways and aggregators are bridging the gap between local customers and global markets. Whether you’re a street vendor, a growing online brand, or a tech-savvy startup, choosing the right digital payment platform could be the difference between growth and stagnation.
At Afrokonnect, we’ve studied the landscape and compiled the Top 10 Digital Payment Solutions for Businesses in Ghana in 2025. This isn’t just a list—it’s a guide to help you understand what each platform offers, how it fits into Ghana’s financial ecosystem, and which solution may be right for your business.
Top 10 Digital Payment Solutions for Businesses in Ghana
10. iPay Ghana
iPay Ghana is one of those quietly reliable platforms that many small and medium-sized enterprises (SMEs) swear by. It offers seamless website integration, accepting Visa, Mastercard, mobile wallets, and Gh-link cards. For businesses without a website, iPay’s payment link system allows you to sell quickly and easily online by simply sharing a link with customers.
This makes iPay especially attractive to SMEs, social media vendors, and service providers who want a low-barrier entry into digital payments. Imagine a fashion boutique on Instagram: instead of complicated integrations, the seller can just generate an iPay link, send it to the buyer, and get paid instantly.
Why businesses love iPay:
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User-friendly and accessible even to non-techies.
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Accepts multiple payment channels.
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Ideal for SMEs, freelancers, and solo entrepreneurs.
If you’re looking for affordability and ease of setup over advanced enterprise features, iPay Ghana offers the perfect balance.
9. Sendexa – Payments Meet Messaging
Sendexa isn’t just a payment gateway—it’s a multi-service platform that merges digital payments with messaging services like SMS, voice, and email. For businesses, this unified approach is a game-changer: you can accept payments and communicate with customers from one dashboard.
With powerful APIs, fast onboarding, and enterprise-level reliability, Sendexa is great for businesses that rely on customer engagement. For example, an online school could use Sendexa to send reminders about tuition via SMS and provide a direct payment link within the same message. RECOMMENDED: Paystack Review: How to use and Integrate to your Business.
Why businesses love Sendexa:
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Unified payments + communication tools.
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API-driven and scalable for larger businesses.
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Excellent for enterprises that need customer engagement built into payment flows.
Think of Sendexa as more than a gateway—it’s a business management tool designed for the digital age.
8. Nsano – Digital Payment Solutions for Businesses in Ghana
Nsano is a payment aggregator and processor with operations across several African markets, but it’s fully licensed by the Bank of Ghana—a detail that boosts trust for more formalized businesses. Nsano not only processes payments but also provides remittance services with built-in fraud protection.
For businesses that need to demonstrate compliance, Nsano offers peace of mind. A bank, insurance company, or even a large e-commerce store can depend on Nsano for reliable, regulation-aligned processing.
Why businesses love Nsano:
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Strong compliance and licensing credibility.
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Offers remittances in addition to payment processing.
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Designed for businesses operating at scale.
If you’re running a company where regulation matters just as much as revenue, Nsano should be on your shortlist.
7. PaySwitch – PayLink & PayQR
PaySwitch offers two key tools that make payments incredibly flexible:
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PayLink: lets you collect payments via secure links you can share anywhere—from WhatsApp chats to emails.
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PayQR: enables QR code payments in physical locations like retail shops, restaurants, or events.
Both tools support mobile wallets and cards, backed by a real-time dashboard for tracking transactions.
PaySwitch is especially handy for businesses that want to combine online and offline presence. A restaurant in Accra, for example, can use PayLink for online orders and PayQR for in-person dining.
Why businesses love PaySwitch:
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Works for both online and brick-and-mortar stores.
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Secure and flexible collection methods.
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Real-time insights for better decision-making.
For hybrid businesses that live both online and offline, PaySwitch bridges the gap.
6. NdelPay – Digital Payment Solutions for Businesses in Ghana
NdelPay takes things further with an all-inclusive payment gateway that accepts:
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Mobile money (MTN, Vodafone, AirtelTigo)
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Cards
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Bank transfers
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Invoices
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QR payments
What sets NdelPay apart is its automation. Businesses can generate automated invoices, access analytics, and even schedule bulk payouts. Imagine being an events company that needs to pay dozens of vendors at once—NdelPay makes that possible in minutes.
Why businesses love NdelPay:
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Versatile acceptance methods.
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Automates invoicing and payouts.
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Robust analytics for business management.
For companies that care about front-end customer payments and back-office efficiency, NdelPay is a strong contender.
5. ExpressPay – A Household Name
ExpressPay has grown into one of Ghana’s most trusted digital platforms. Its reputation comes from being fast, secure, and comprehensive. Businesses can accept mobile money, cards, bill payments, airtime, and utility services all from one platform.
It’s widely used across industries—from airlines to online shopping platforms—because of its quick checkout system and strong security protocols. Customers feel safe, and businesses enjoy smooth transactions.
Why businesses love ExpressPay:
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Strong reputation and trust factor.
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Wide range of payment methods.
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Simple checkout experience for customers.
If trust and recognition are as important to you as features, ExpressPay delivers both.
4. Hubtel – More Than Payments
Hubtel began as an SMS gateway but has evolved into a full commerce and payment ecosystem. Today, it offers:
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Mobile money and card payments
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POS systems for retailers
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USSD payments
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GHQR code integration
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E-commerce and messaging services
For urban businesses, Hubtel provides a one-stop shop: you can run an online store, collect payments, and keep in touch with customers all on one platform. It’s no surprise that many restaurants, shops, and tech-driven businesses in Accra and Kumasi use Hubtel daily.
Why businesses love Hubtel:
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Combines payments, POS, and messaging.
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Supports both physical and digital businesses.
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A trusted name in Ghana’s fintech scene.
Hubtel is perfect for businesses looking for integrated solutions rather than piecemeal tools
3. Flutterwave – The Global Gateway
Flutterwave has become a pan-African payments giant, and Ghana is no exception. With a license from the Bank of Ghana, Flutterwave enables businesses to accept:
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Cards (Visa, Mastercard, Verve)
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Mobile money
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Bank transfers
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Apple Pay & Google Pay
What sets Flutterwave apart is scale. Over 1.5 million businesses globally trust the platform, including giants like Uber. With no sign-up fees and strong cross-border support, Flutterwave is the go-to option for businesses that dream big.
Why businesses love Flutterwave:
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Global reach with local reliability.
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Supports international wallets like Apple Pay.
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Scales easily with your business growth.
If your Ghanaian business wants to serve customers beyond borders, Flutterwave is your passport.
2. Mobile Money Networks – Digital Payment Solutions for Businesses in Ghana
When it comes to sheer dominance, nothing beats mobile money networks like MTN MoMo, Vodafone Cash, AirtelTigo Money, and Zeepay.
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MTN MoMo alone controls nearly 90% of mobile money revenue in Ghana.
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Vodafone Cash and AirtelTigo Money continue to drive inclusion, particularly in semi-urban and rural communities.
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Zeepay adds another dimension by enabling cross-border and remittance services.
For millions of Ghanaians, mobile money is their first encounter with financial services. For businesses, this makes mobile wallets the non-negotiable payment option—whether you sell groundnuts by the roadside or manage an online store.
Why businesses love Mobile Money:
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Ubiquitous and trusted by everyday Ghanaians.
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Accessible even without smartphones.
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Essential for businesses targeting mass-market customers.
If your customers are in Ghana, chances are they’re using MoMo or one of its competitors.
1. GhIPSS Solutions – GhQR & gh-link
At the top of our list is Ghana’s very own GhIPSS ecosystem, which has transformed digital payments by keeping innovation local.
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GhQR: Allows merchants to accept payments via QR codes or USSD directly from bank apps and mobile wallets. It’s low-cost, inclusive, and built for everyday transactions.
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gh-link: Ghana’s domestic EMV card system that keeps transactions local, reduces fees, and enhances security.
Together, GhQR and gh-link represent the future of inclusive, affordable payments in Ghana. For businesses, they’re a chance to plug into a nationwide ecosystem that’s recognized and supported by banks, telecoms, and regulators.
Why businesses love GhIPSS solutions:
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Local innovation with global standards.
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Lower costs compared to international cards.
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Direct bank + mobile wallet interoperability.
For Ghanaian businesses, embracing GhIPSS solutions isn’t just smart—it’s patriotic. RECOMMENDED: How to apply for Palmpay loan in Ghana and Nigeria.
Conclusion about Digital Payment Solutions for Businesses in Ghana
Ghana’s digital payment landscape offers incredible variety—whether you’re operating a modest street kiosk or scaling an online enterprise across Africa. From the familiarity of MTN MoMo and Visa cards, through emerging integrators like PaySwitch and Nsano, to the cutting-edge GhIPSS infrastructure, there’s a solution tailored to your business’s stage and audience.
But remember:
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If you need simplicity, go for iPay or PayLink.
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If you want compliance and scale, Nsano or Flutterwave are great bets.
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If you want everyday adoption, Mobile Money is non-negotiable.
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If you’re building for the future of Ghanaian commerce, GhIPSS solutions should be at the core.
At its best, the right payment platform isn’t just a tool—it’s a strategic partner that enhances customer experience, business efficiency, and growth potential. Choose the one that aligns with how your customers prefer to pay, how your operations run, and where you want to go next.
