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( Payments and ecommerce )

What is Payment gateway?

A payment gateway is the service that takes a payment on a website, handles the card or Mobile Money transaction, and settles the money to the business.

In Ghana the relevant gateways are Paystack, Hubtel and Flutterwave, each supporting MTN MoMo, Telecel Cash and cards, with fees per transaction and settlement times that differ. Choosing one is a fee and a workflow decision.

Integration is more than a button: it is handling failure, confirming through a verified webhook, and reconciling settlements against orders. A store that gets that wrong loses money quietly, which is why the online store tier on our pricing page includes it.

For a store selling to the diaspora, card acceptance and multi currency settlement narrow the choice further, and the gateway's fees on international cards are usually higher.