Market specifications

Do you want to know more information about Ghana's market? Go to the Expand Your Reach in Africa’s eCommerce Market article.

Country reference

`country` code	`currency` code	`amount` decimals	`document_type` name	`document_id` format
`GH`	`GHS`	2	Ghana Card	13 digits (3 letters + 10 numbers)

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`login`	Yes	Yes	Yes
`pass`	Yes	Yes	Yes
`external_id`	Yes	Yes	Yes
`beneficiary_name`	Yes	Yes	Yes
`beneficiary_lastname`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`bank_branch`	Yes	Yes	Yes
`bank_account`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`purpose`	-	Yes	Yes
`remitter_full_name`	-	-	Yes
`remitter_document`	-	-	Yes
`remitter_document_type`	-	-	Yes
`remitter_birth_date`	-	-	Yes
`remitter_address`	-	-	Yes
`remitter_city`	-	-	Yes
`remitter_country`	-	-	Yes
`remitter_nationality`	-	-	Yes

Wallet transfers

Wallet transfer parameters	B2C	B2B	P2P
`login`	Yes	Yes	Yes
`pass`	Yes	Yes	Yes
`external_id`	Yes	Yes	Yes
`beneficiary_name`	Yes	Yes	Yes
`beneficiary_lastname`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`account_type`	Yes	Yes	Yes
`phone`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`purpose`	-	-	Yes
`remitter_full_name`	-	-	Yes
`remitter_document_type`	-	-	Yes
`remitter_document`	-	-	Yes
`remitter_birth_date`	-	-	Yes
`remitter_address`	-	-	Yes
`remitter_city`	-	-	Yes
`remitter_country`	-	-	Yes
`remitter_nationality`	-	-	Yes

Payment methods

Ghana supports payouts via Bank transfers and Wallet transfers. Each method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Use Wallet transfers for instant payments to mobile wallets. Use Bank transfers when sending funds directly to a bank account.

Bank transfers

Ghana bank transfers require detailed account information, including SWIFT code and account number. The format of these fields depends on the receiving bank, and strict validation rules apply.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameter	Description
`login`	API authentication credentials. Maximum 32 characters.
`pass`	API authentication credentials. Maximum 32 characters.
`external_id`	Unique transaction identifier. Maximum 100 characters.
`beneficiary_name`	First name of the beneficiary. Maximum 50 characters.
`beneficiary_lastname`	Last name of the beneficiary. Maximum 50 characters.
`country`	Country code. For Ghana, use `GH`.
`bank_branch`	SWIFT code (8 or 11 alphanumeric characters in upper case).
`bank_account`	Bank account number. Max. length 50 digits.
`amount`	Payout amount. Use up to 2 decimal places.
`currency`	Payout currency. For Ghana, use `GHS` or `USD`.
`purpose`	Reason for the payout. `EPREMT` for Remittance (P2P), `EPBTOB` for Business to Business (B2B).
`remitter_full_name`	Full name of the sender. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter_document`	Document number of the sender. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter_document_type`	Type of identification document: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter_birth_date`	Sender’s birth date in `YYYYMMDD` format. Mandatory only for remittance (P2P).
`remitter_address`	Full address of the sender. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter_city`	City of the sender. Maximum 40 characters. Mandatory only for remittance (P2P).
`remitter_country`	ISO 3166-1 alpha-2 code of the sender. Mandatory only for remittance (P2P).
`remitter_nationality`	ISO 3166-1 alpha-2 code of the sender's nationality. Mandatory only for remittance (P2P).

Example request

{
  "login": "1n234n56",
  "pass": "HolAc123o",
  "external_id": "68907654",
  "beneficiary_name": "Jhon",
  "beneficiary_lastname": "Miles",
  "country": "GH",
  "amount": "100",
  "currency": "GHS",
  "bank_branch": "ECOCGHAC",
  "bank_account": "433212345678",
  "notification_url": "https://thisisawebsite.net/payments",
  "type": "json"
}

Wallet transfers

Wallet transfers enable real-time transfers using a mobile phone number linked to a wallet.

The account_type field must indicate the type of wallet being used (e.g., AirtelTigo, Vodafone, MTN, G-Money). The phone field must be present and correctly formatted.

Mandatory parameters

The table below outlines the required parameters for Wallet transfers.

Mandatory parameter	Description
`login`	API authentication credentials. Maximum 32 characters.
`pass`	API authentication credentials. Maximum 32 characters.
`external_id`	Unique transaction identifier. Maximum 100 characters.
`beneficiary_name`	First name of the beneficiary. Maximum 50 characters.
`beneficiary_lastname`	Last name of the beneficiary. Maximum 50 characters.
`country`	Country code. For Ghana, use `GH`.
`amount`	Payout amount. Use up to 2 decimal places.
`account_type`	Type of wallet being used: `AirtelTigo`, `Vodafone`, `MTN`, `G-Money`.
`phone`	Mobile phone number. Country code `+233` plus 9 digits. Ex: +233123456789.
`currency`	Payout currency. For Ghana, use `GHS` or `USD`.
`purpose`	Reason for the payout. `EPREMT` for Remittance (P2P). Mandatory only for remittance (P2P).
`remitter_full_name`	Full name of the sender. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter_document_type`	Type of identification document: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter_document`	Document number of the sender. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter_birth_date`	Sender’s birth date in `YYYYMMDD` format. Mandatory only for remittance (P2P).
`remitter_address`	Full address of the sender. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter_city`	City of the sender. Maximum 40 characters. Mandatory only for remittance (P2P).
`remitter_country`	ISO 3166-1 alpha-2 code of the sender. Mandatory only for remittance (P2P).
`remitter_nationality`	ISO 3166-1 alpha-2 code of the sender's nationality. Mandatory only for remittance (P2P).

Example request

{
  "login": "1n234n56",
  "pass": "HolAc123o",
  "external_id": "68907654",
  "beneficiary_name": "Jhon",
  "beneficiary_lastname": "Miles",
  "country": "GH",
  "currency": "GHS",
  "amount": "150",
  "account_type": "VODACOM",
  "phone": "+233123456789",
  "notification_url": "https://thisisawebsite.net/payments",
  "type": "json"
}