Payments, messaging, and commerce infrastructure for Ghana
Collect mobile money and card payments, send business messages, and integrate payments or SMS into products through Hubtel APIs.
Use when
You need Ghanaian mobile money collections, online checkout, or local business messaging from one provider.
Skip when
Your customers and settlement account are outside Ghana or you need one contract for many African markets.
Merchant activation and supported channels depend on Ghanaian business verification. Confirm current fees in the Hubtel dashboard or with sales. Published rates (21 Sep 2026): about 1.95% on mobile money collections, minimum GHS 0.30 and capped at GHS 10, with that fee split between Hubtel, the telco and the Bank of Ghana e-levy. A monthly fee of around GHS 25 applies on top. Card rates are higher and not consistently published. Confirm before integrating.
Alternatives
