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	`beneficiary.document.type` name	`beneficiary.document.id` format
`GH`	`GHS`	2	Ghana Card	13 digits (3 letters + 10 numbers)

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	-	Yes
`beneficiary.last_name`	Yes	-	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.bank_account.branch`	Yes	Yes	Yes
`beneficiary.bank_account.account`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.document.id`	-	-	Yes
`remitter.birth_info.date`	-	-	Yes
`remitter.address.street`	-	-	Yes
`remitter.address.city`	-	-	Yes
`remitter.address.country`	-	-	Yes
`remitter.nationality`	-	-	Yes

Wallet transfers

Wallet transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	Yes	Yes
`beneficiary.last_name`	Yes	Yes	Yes
`beneficiary.phone`	Yes	Yes	Yes
`beneficiary.instant_payment.type`	Yes	Yes	Yes
`beneficiary.instant_payment.id`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.document.id`	-	-	Yes
`remitter.birth_info.date`	-	-	Yes
`remitter.address.street`	-	-	Yes
`remitter.address.city`	-	-	Yes
`remitter.address.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
`external_id`	Unique payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method identifier. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), `P2P` (Person to Person), or `PSP` (Payment Service Provider).
`purpose`	Payout purpose code. For P2P, use `REMITTANCES`. See purpose codes reference.
`country`	Country code. For Ghana, use `GH`.
`currency`	Source currency of the FX operation. For Ghana, use `GHS` or `USD`. Payouts are typically paid in local currency to the beneficiary.
`amount`	Payout amount in `GHS`. Use up to 2 decimal places.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Maximum 50 characters.
`beneficiary.bank_account.branch`	Beneficiary's bank branch. SWIFT code (8 or 11 alphanumeric characters in upper case).
`beneficiary.bank_account.account`	Beneficiary's bank account number. Maximum length 50 digits.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 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.id`	Remitter's identification document or number, as required by Ghana regulations. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter.birth_info.date`	Remitter's date of birth in ISO 8601 format (YYYY-MM-DD). Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter's street address. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter.address.city`	Remitter's city. Maximum 40 characters. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P)
`remitter.nationality`	Remitter's nationality. Use ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "GH_B2C_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "GH",
  "amount": 100,
  "currency": "GHS",
  "beneficiary": {
    "first_name": "Jhon",
    "last_name": "Miles",
    "bank_account": {
      "branch": "ECOCGHAC",
      "account": "433212345678"
    }
  }
}

{
  "external_id": "GH_P2P_002",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "GH",
  "amount": 200,
  "currency": "GHS",
  "beneficiary": {
    "first_name": "Kwame",
    "last_name": "Asante",
    "bank_account": {
      "branch": "ECOCGHAC",
      "account": "433212345678"
    }
  },
  "remitter": {
    "first_name": "Jane",
    "last_name": "Smith",
    "document": {
      "type": "PASS",
      "id": "AB123456"
    },
    "birth_info": {
      "date": "1985-06-15"
    },
    "address": {
      "street": "123 Main St",
      "city": "New York",
      "country": "US"
    },
    "nationality": "US"
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

Wallet transfers

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

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

Mandatory parameters

The table below outlines the required parameters for Wallet transfers.

Mandatory parameter	Description
`external_id`	Unique payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method identifier. For wallet transfers, use `INSTANT_PAYMENT`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), `P2P` (Person to Person), or `PSP` (Payment Service Provider).
`purpose`	Payout purpose code. For P2P, use `REMITTANCES`. See purpose codes reference.
`country`	Country code. For Ghana, use `GH`.
`currency`	Source currency of the FX operation. For Ghana, use `GHS` or `USD`. Payouts are typically paid in local currency to the beneficiary.
`amount`	Payout amount in `GHS`. Use up to 2 decimal places.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Maximum 50 characters.
`beneficiary.phone`	Beneficiary's phone number. Country code `+233` plus 9 digits. Ex: +233123456789.
`beneficiary.instant_payment.type`	Type of wallet being used: `AIRTELTIGO`, `VODAFONE`, `MTN`, or `G-MONEY`.
`beneficiary.instant_payment.id`	Beneficiary's wallet identifier, typically the phone number.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 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.id`	Remitter's identification document or number, as required by Ghana regulations. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter.birth_info.date`	Remitter's date of birth in ISO 8601 format (YYYY-MM-DD). Mandatory only for remittance (P2P).
`remitter.address.street`	Street address of the remitter. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter.address.city`	City of the remitter. Maximum 40 characters. Mandatory only for remittance (P2P).
`remitter.address.country`	ISO 3166-1 alpha-2 country code of the remitter. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality. Use ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "GH_B2C_003",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "GH",
  "amount": "150",
  "currency": "GHS",
  "beneficiary": {
    "first_name": "Jhon",
    "last_name": "Miles",
    "phone": "+233123456789",
    "instant_payment": {
      "type": "MTN",
      "id": "+233123456789"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "GH_P2P_004",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "GH",
  "amount": "250",
  "currency": "GHS",
  "beneficiary": {
    "first_name": "Ama",
    "last_name": "Owusu",
    "phone": "+233987654321",
    "instant_payment": {
      "type": "VODAFONE",
      "id": "+233987654321"
    }
  },
  "remitter": {
    "first_name": "Sarah",
    "last_name": "Johnson",
    "document": {
      "type": "PASS",
      "id": "CD987654"
    },
    "birth_info": {
      "date": "1990-03-15"
    },
    "address": {
      "street": "456 Park Ave",
      "city": "London",
      "country": "GB"
    },
    "nationality": "GB"
  },
  "notification_url": "https://thisisawebsite.net/payments"
}