Accepting Mobile Money and card payments on your website

For most businesses in Ghana, the real question isn't “should we accept Mobile Money online?” — your customers already pay for everything else with it. The question is how: there are several ways to take MoMo and card payments through a website, and they differ enormously in cost, effort and what they do for your operations.

Option 1 — Payment links (the simplest start)

Providers such as Paystack and Hubtel let you create payment links or simple pay pages without a full online store. You send the link on WhatsApp or put a Pay button on your site; the customer pays by MoMo or card; you get an alert and settlement to your account.

This is the right first step when your sales conversation already happens in chat and you just need a trustworthy way to collect. Its limit: nothing else is automated — no stock, no order records, no receipts tied to products.

Option 2 — Checkout built into your website

A full e-commerce build puts the payment step inside your own site: the customer picks products, pays by MoMo or card on your checkout, and the system records the order, adjusts stock, and sends confirmations — automatically, at any hour.

Under the hood this still runs on a licensed payment provider (we typically integrate Paystack for Ghanaian clients), so the money-handling is theirs and the experience is yours. This is what we built for clients like AFH: the store, the checkout and a management panel their own team runs.

What about fees?

Every provider charges a percentage per transaction, and schedules change — so rather than print numbers that may be stale by the time you read this, our honest advice is: check the provider's current pricing page, and remember the fee is usually smaller than the sales you lose by making payment awkward. Factor fees into your pricing from day one.

How to choose

• Selling a handful of items or services, mostly via WhatsApp? Start with payment links — minimal cost, live in days.
• A real catalogue, repeat customers, or stock to track? A proper checkout pays for itself in saved admin alone.
• Taking bookings or deposits? A booking flow with built-in payment cuts no-shows sharply.
• Unsure? Start with links, and build the full store when volume justifies it — the two paths aren't mutually exclusive.

The short version

Online payment in Ghana is a solved problem — the engineering question is matching the right level of automation to your stage. Tell us how you sell today and we'll recommend the simplest setup that genuinely fits, including when that means not building a full store yet.