Best Payment Gateway for Ghanaian Online Stores (Paystack, Flutterwave, Hubtel)

Key takeaways

• Paystack is the best choice for most Ghanaian online stores: 1.95% on every local payment, MoMo and cards alike, plus official Shopify and WooCommerce support.
• Paystack also charges just 1.95% on international cards, which makes it unusually cheap for selling to the diaspora.
• Hubtel matches Paystack's 1.95% on MTN MoMo, Telecel Cash and cards, charges 2.5% on AT Money, and settles to your Hubtel balance hourly, weekends included. It has no official Shopify app.
• Flutterwave is the dearest for a Ghana-only store: 2% on MoMo, 2.6% on local cards and 4.8% on international cards, and customers pay the fee by default.
• Bank payouts have minimums: GHS 50 on Paystack and GHS 500 on Hubtel, according to MaxMe Group. MoMo payouts have none.

For most online stores in Ghana, Paystack is the best payment gateway. It charges a flat 1.95% whether customers pay with MoMo or a card, including foreign cards, and it plugs straight into Shopify and WooCommerce. Choose Hubtel if you want money in your account faster, including at weekends, or need in-person and invoicing tools in the same place. Flutterwave makes sense only if you sell across several African countries.

The three at a glance

| |Paystack | Hubtel | Flutterwave | |:--- | :--- | :--- | :--- | |MTN MoMo and Telecel Cash | 1.95% | 1.95% | 2% | |AT Money | 1.95% | 2.5% | 2% | |Local Visa and Mastercard | 1.95% | 1.95% | 2.6% | |International cards | 1.95% | Not published | 4.8% | |Settlement | Next working day | Hourly to Hubtel balance, every day | Next day | |Payout to MoMo | GHS 1 | No minimum (fee not published) | 1.5% | |Payout to bank | GHS 8 (min GHS 50) | Min GHS 500 | GHS 10 | |Shopify | Official app | No official app | Supported | |WooCommerce | Official plugin | Third-party plugins | Supported |

Paystack's and Flutterwave's figures come from their Ghana pricing pages in October 2026. Hubtel doesn't publish a merchant fee table we could load, so its figures come from MaxMe Group's September 2026 comparison. Treat those as a guide and confirm them with Hubtel.

What will each gateway cost per order?

Here's what you'd pay on typical Ghanaian orders:

Order	Paystack	Hubtel (MTN or Telecel)	Flutterwave (MoMo)	Flutterwave (local card)
GHS 200	GHS 3.90	GHS 3.90	GHS 4.00	GHS 5.20
GHS 500	GHS 9.75	GHS 9.75	GHS 10.00	GHS 13.00
GHS 2,000	GHS 39.00	GHS 39.00	GHS 40.00	GHS 52.00

On MoMo, the gap between Paystack and Flutterwave is tiny. On cards it widens, and on international cards it's huge. A GHS 2,000 order from a customer in London costs GHS 39 on Paystack and GHS 96 on Flutterwave.

Hubtel's rate on AT Money is 2.5%, so a GHS 500 AT Money order costs GHS 12.50 there.

Paystack: best for most stores

Paystack's Ghana pricing is simple: 1.95% on local cards, mobile money and international cards, with no setup or monthly fees.

Why choose it:

• One rate for everything, including foreign cards. Most gateways charge two or three times more for international payments. Our guide to selling globally compares this across countries.
• Official Shopify and WooCommerce integrations, so you won't need a developer for a standard store.
• Cheap payouts: GHS 1 to mobile money and GHS 8 to a bank account, with a GHS 50 minimum for bank payouts.
• A Starter account you can open without business registration. MaxMe Group says it's capped at GHS 30,000 in collections, and you can't send transfers until you upgrade to a registered account.

Downsides:

• Next-day settlement, so Friday's sales usually arrive on Monday.
• International payments settle in cedis. We didn't find a USD settlement option for Ghana.
• No option to pass fees to customers, according to MaxMe Group.

Best for: most online stores, especially on Shopify or WooCommerce, and anyone selling to customers abroad.

Hubtel: fastest money, built for Ghana

Hubtel is a Ghanaian company, and it shows: it covers MoMo, cards, USSD, payment links, invoicing and in-person payments from one account.

Why choose it:

• 1.95% on MTN MoMo, Telecel Cash and Ghanaian cards, matching Paystack, according to MaxMe Group.
• Hourly settlement to your Hubtel balance, every day, including weekends. If you pay suppliers or riders daily, that matters.
• Payment links you can share on WhatsApp or Instagram, so you can sell without a website.
• A customer-pays option, mostly 1% plus a small flat fee on amounts under GHS 50, if you'd rather pass on the cost.

Downsides:

• AT Money costs 2.5%.
• No official Shopify app. On WooCommerce, the plugin we found on WordPress.org is from a third-party developer, says it's "in no way affiliated with Hubtel", and needs a separately purchased activation key.
• Bank payouts have a GHS 500 minimum.
• Stricter onboarding. Clarkyard says you need a registered business to open a merchant account.
• International card pricing isn't published.

Best for: registered businesses that sell through WhatsApp and social media, or that also take payments in person, and want money available quickly.

Flutterwave: for selling beyond Ghana

Flutterwave's Ghana pricing is higher across the board:

• Local cards: 2.6%
• Mobile money, bank transfer and wallets: 2%
• International cards: 4.8%
• Payouts: GHS 10 to a bank account, 1.5% to mobile money

Flutterwave's pricing page also says customers bear the transaction charges by default. Switch this off in the dashboard if you don't want shoppers seeing an extra fee at checkout.

Flutterwave received its Ghana licence in 2024, and its real strength is reach. If you sell in Ghana, Nigeria and Kenya from one dashboard, or pay suppliers across several countries, it's built for that. For a Ghana-only store, Paystack does the same job for less.

What about expressPay and direct MTN MoMo?

expressPay is another established Ghanaian gateway with a hosted payment page, API, QR and USSD. It doesn't publish its fees, so you'll need a quote. MaxMe Group notes that its WooCommerce plugin on GitHub was last updated in October 2025.

Integrating MTN MoMo directly can cost less per transaction, but you'd only accept MTN customers, and you'd need a developer. For most stores, a gateway that covers all three networks and cards is worth the small difference.

One piece of good news: Ghana's 1% E-levy on mobile money transfers was abolished in April 2025, so it no longer adds to MoMo costs.

How do you choose?

• Shopify store or standard WooCommerce site: Paystack.
• You sell to diaspora customers abroad: Paystack, for its 1.95% international rate.
• You sell through WhatsApp and Instagram and need money daily, weekends included: Hubtel.
• You also take payments in person: Hubtel, or Paystack's Virtual Terminal for QR payments.
• You sell in several African countries: Flutterwave.
• You're testing an idea before registering a business: Paystack's Starter account, up to GHS 30,000.

Before you sign up

1. Check your customer mix. If many pay with AT Money, Hubtel's 2.5% matters.
2. Decide who pays the fee. Hubtel and Flutterwave let you pass it on; Paystack doesn't.
3. Test checkout on a phone with a real small payment on each network: MTN, Telecel and AT.
4. Wait for confirmation before releasing orders. MoMo confirmations can take from seconds to a few minutes.
5. Ask for a volume discount if you process large amounts. Paystack says high-volume merchants can get lower rates.