Ghana

Learn about the dLocal supported payment methods in Ghana.

Market specifications

Take a look of all the payment methods available.

Country reference Cards supported Alternative Payment Method supported

Cards

Find all the information about the card supported capabilities.

Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

Mobile Money


Market specifications

Do you want to know more information about Ghana's market? Go to the Middle East and Africa: leapfrog straight into local eCommerce article.

Country reference

country codecurrency codedocument namedocument formatdocument required?
GHGHSGhana Card13 digits (3 letters + 10 numbers)Yes

Cards supported

payment_method_idBrand IDNamepayment_method_typeDetailsAllowed FlowsLogo
CARDVIVisaCARDCredit Card ​DIRECT REDIRECT
CARDVDVisa Debit ​CARDDebit Card ​DIRECT REDIRECT
CARDMCMastercardCARDCredit Card ​DIRECT REDIRECT
CARDMDMastercard Debit ​CARDDebit Card ​DIRECT REDIRECT

ℹ️

To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

payment_method_idNamepayment_method_typeAllowed FlowsLogo
MW / All telecom companies
AT / AirtelTigo
MT / MTN
VF / Vodafone
Mobile MoneyWALLETDIRECT


Cards

Capabilities

Visa CreditMastercard CreditVisa DebitMastercard Debit
RefundsYesYesYesYes
RecurringYesYesYesYes
Chargeback optionYesYesYesYes
Chargeback Dispute optionNoYesYesYes
DescriptorProvider name + Merchant name.Provider name + Merchant name.Provider name + Merchant name.Provider name + Merchant name.

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.



Alternative Payment Method

Mobile Money

Mobile Money is a widely used payment method in Africa that enables people to send and receive money through their mobile phones. Users need to register for an account, provide identification, and deposit money through authorized agents or channels.

Mobile Money platforms are operated mainly by telecommunications companies and they have enabled financial inclusion by providing banking services to unbanked or underbanked individuals.

Customize payment options

The payment method ID may vary based on the specific user experience you intend to provide.

  • Offer all telecom companies. To offer all available telecommunications options, complete "payment_method_id": "MW".
  • Provide a specific network. To specify a particular telecommunications company, input the corresponding ID. For example, if you intend to utilize the AirtelTigo network, use "payment_method_id": "AT".

📘

Choosing the right network option

To use a specific network feature effectively, make sure to know the user's telecommunications company. If you're unsure, use the generic one to prevent any potential misunderstandings so that all companies are supported.

To find all the available payment options, refer to the Alternative Payment Method supported section.

Capabilities

Mobile Money
Max. expiration time supported10 minutes
Notification delayImmediate
RefundsYes
FlowDIRECT
Supported walletsVodafone, MTN, AirtelTigo.

UX Flow

Flow might slightly differ depending on the provider.

Alternative flow

Request Parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringGHS

Transaction currency in ISO 4217.
Yes
countryStringGH

Transaction country in ISO 3166.
Yes
payment_method_idStringMW

ID of the selected payment method
Yes
payment_method_flowStringDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.phoneStringPhone number of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external ID of the capture.No
notification_urlStringNotifications will be sent in every change of status of a payment to the notification_url specified by the merchant.No

Examples

{
    "amount": 10,
    "currency": "GHS",
    "country": "GH",
    "payment_method_id": "MW",
    "payment_method_flow": "DIRECT",
    "payment_method_type": "TICKET",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "233240000000",
        "document": "1234567890987656",
        "address": {
            "country": "GH",
            "state": "Acra",
            "city": "Acra",
            "zip_code": "88058",
            "street": "Main St.",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}
{
    "id": "D-4-bb3616c9-65ab-4825-b2c1-3408643134e7",
    "amount": 10,
    "currency": "GHS",
    "payment_method_id": "MW",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "GH",
    "bank_transfer": {},
    "ticket": {},
    "created_date": "2023-01-24T16:32:37.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "0f2f29b8-4cc7-425f-9680-787b2bb9bcba",
    "notification_url": "http://conductor.sandbox.internal/robot-server/rest/generic/notification/new"
}