Accepting MTN MoMo, Telecel Cash and cards on a website goes through one of three gateways. A fee below is a number only where we read it from the provider’s own page on 2026-09-21. Where a provider does not publish, the table says so rather than repeating a figure from a review.
| Gateway | Mobile Money | Local card | International card | Settlement | Monthly fee | Source |
|---|---|---|---|---|---|---|
| Flutterwave | 2%Wallets and Mobile Money, per transaction | 2.6%Mastercard and Visa issued in Ghana | 4.8%Mastercard, Visa, AMEX and Discover from abroad | Next day for local payments. International varies by region. | None published | flutterwave.com/gh/pricingchecked 2026-09-21 |
| Paystack | 1.95%Per Mobile Money transaction, from Paystack's support article. USSD adds GHS 0.05 per session. | Not publishedPublished on paystack.com/gh/pricing, which served a bot challenge to our check. Confirm on the page. | Not publishedAs above. Confirm on the page before modelling. | Payout to a bank account or a Mobile Money wallet. No minimum for MoMo payouts; GHS 50 minimum for bank payouts, per Paystack's support centre. | None published | support.paystack.com (Mobile Money and USSD articles)checked 2026-09-21 |
| Hubtel | Not publishedNot published publicly. Third party reviews quote a percentage with a cap; we do not repeat figures we could not verify. Ask Hubtel for the current schedule. | Not publishedNot published publicly. | Not publishedNot published publicly. | Not published publicly | Not published publicly. Reviews mention a monthly fee; confirm with Hubtel. | hubtel.com, fees behind merchant loginchecked 2026-09-21 |
Only verified rates are in the table. A gateway that does not publish is not guessed.
| Gateway | Method | Rate | Fee per order | You receive | Fees a month |
|---|---|---|---|---|---|
| Paystack | Mobile Money | 1.95% | GHS 9.75 | GHS 490.25 | GHS 975.00 |
| Flutterwave | Mobile Money | 2% | GHS 10.00 | GHS 490.00 | GHS 1,000.00 |
| Flutterwave | Local card | 2.6% | GHS 13.00 | GHS 487.00 | GHS 1,300.00 |
| Flutterwave | International card | 4.8% | GHS 24.00 | GHS 476.00 | GHS 2,400.00 |
Percentage fees only, at the published rate. Excludes any per session USSD charge, payout transfer fees, and gateways whose rates are not published. Nothing is stored.
The only one of the three that publishes every fee on a public page.
Best for. A store selling to Ghana and abroad that wants one gateway for cards and MoMo, with published pricing to plan against.
Watch. The international card rate is the highest of the three, so a diaspora heavy store should model it.
MoMo payouts: 1.5% per transfer to Mobile Money; GHS 10 per bank transfer
Publishes its Mobile Money fee in its support centre. The pricing page could not be read by an automated check on the date recorded.
Best for. A developer led build. Paystack's API and documentation are the most widely used in the region, and most Ghanaian ecommerce platforms support it out of the box.
Watch. Read the card fees on the pricing page yourself; we will not quote what we could not read.
MoMo payouts: No minimum threshold for payouts to a Mobile Money wallet
The largest local player, with fees that are not published on a public page.
Best for. A business that also wants Hubtel's point of sale, USSD and merchant tools, where the gateway is part of a wider Hubtel setup.
Watch. Ask for the fee schedule in writing before committing. A cap on Mobile Money fees, if it applies, changes the maths for high value orders.
MoMo payouts: Not published publicly
Our pick, and why. For a new Ghanaian store we usually integrate Paystack first, because its developer tooling is the most mature and its Mobile Money rate is the lowest we could verify, with Flutterwave where international cards are a large share of sales. We say that as the people who build the integration, and the choice is yours after reading the fee schedules yourself. The integration is included in our Online store tier, and the mechanics are in how to accept MoMo on your website.
On published rates, Paystack's Mobile Money fee of 1.95% is the lowest number we could verify, against Flutterwave's 2%. For cards, Flutterwave publishes 2.6% local and 4.8% international; Paystack's card rates are on its pricing page, which our automated check could not read, and Hubtel does not publish fees publicly. Cheapest depends on your mix of MoMo and card, and on caps and monthly fees that only a quote will confirm.
Yes. A gateway prompts the customer's phone for approval, reports the result to your site, and settles the money to you. A merchant MoMo number on a page is not online payment: it is a bank transfer with extra steps and no confirmation, and it does not update an order.
Flutterwave publishes next day for local payments. Paystack pays out to a bank account or a Mobile Money wallet, with no minimum for MoMo wallets. Hubtel does not publish settlement terms publicly. Confirm the schedule in writing before launch, since it affects cash flow more than the fee does.
Because we only print a number we read from the provider's own page on the date recorded. Paystack's pricing page served a bot challenge to our check and Hubtel's fees sit behind a merchant login. Third party reviews quote figures for both; repeating them as fact would be guessing with a percentage sign.
It is included in the Online store tier on our pricing page, GHS 6,000 to 9,000, which covers cart, checkout, MoMo and card payment, failure handling and order alerts. Adding a gateway to an existing site is quoted after a look at the site.