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Terry Hart
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Made a trip in December 2018

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Africa > Ghana > Useful Info
Updated on Jan 12, 2019 Useful Info

How to pay for things in Ghana

When shopping in Ghana, there are 3 ways to pay for the goods or services purchased:

  1. Cash payment
  2. Card payment
  3. Mobile payment

Cash payment

  • The Ghanaian cedi is the only form of currency that is easily acceptable by most traders within the country.
  • The cedi comes in various denominations ranging from 1 to 100 cedi

User submitted photo of Ghana

Card payment

  • VISA and American Express are the most commonly accepted credit cards in Ghana.
  • Mastercard is not common in Ghana.
  • Card usage is quite limited due to fraud hence cards are only used at upscale restaurants and hotels, established supermarkets, and ATMs.
  • VISA debit cards can be used to withdraw money in most ATMs across the country.

Mobile payment

User submitted photo of Ghana

  • This is the best pick among the three, it's safe, convenient, fast and easy to use.
  • There's quite a number of mobile and online payment systems at your disposal in Ghana. These include;

Mobile Payment Systems

  1. MTN mobile money
  2. Vodafone cash
  3. Tigo cash
  4. Airtel money

Online Payment Systems

  1. ipay
  2. Myghpay
  3. Paypal