Accept mobile money in Ghana
In Ghana, mobile money runs on MTN MoMo, Telecel Cash and AT Money. Paystack reaches all three through one account; MTN's own API reaches MTN.
Your options
Paystack (Charge API)
MTN MoMo Open API (Collections)
Currency: GHS. Fees are set per contract and aren't published, so ask each provider for a quote. Checked November 2026.
Which should you choose?
- Most businesses: start with Paystack. One integration covers MTN, Telecel and AT, and cards.
- Mostly MTN customers and high volume? Add MTN's own API to skip the aggregator for that share.
- Amounts on Paystack are in pesewas: GHS 25.50 is sent as 2550.
For a side-by-side look at the payment flow, webhook security and payouts, see MTN MoMo API vs Flutterwave vs Paystack.
Not available here
- M-Pesa: Safaricom's M-Pesa is Kenyan.
Which numbers are on which network
Mobile numbers in Ghana start with these prefixes, by wallet. Customers can move numbers between networks, so let them confirm.
| Wallet | Number starts with |
|---|---|
| Telecel Cash | 020, 050 |
| AT Money | 023, 026, 027, 056, 057 |
| MTN MoMo | 024, 025, 053, 054, 055, 059 |
From Google libphonenumber's carrier data (2026-10-28). Longest prefix wins. Convert any number with the Phone Number Formatter.
Free tools
- MTN MoMo Request Builder: Collections and Disbursements code in four languages
- African Phone Number Formatter: the right format and network for any number
- Payment Error Code Lookup: what an error means and whether the customer paid
Skip the plumbing
The starter kits include the MTN MoMo API (set it to Ghana and GHS) and Paystack (MTN, Telecel and AT Money through one account). The starter kits (Laravel, Django, Next.js) are tested and ready to configure. Or have the integration built for you.
Frequently asked questions
Which Paystack provider code is Telecel Cash?
vod. Paystack's codes for Ghana are mtn (MTN), vod (Telecel) and atl (AT Money).
What phone format does Paystack use for Ghana?
The local format with a leading 0, as in Paystack's own example: 0551234987. Its MTN test number is 055 123 4987.
Which numbers are on which network in Ghana?
In Google libphonenumber's carrier data, MTN numbers start 024, 025, 053, 054, 055 and 059; Telecel 020 and 050; AT 023, 026, 027, 056 and 057. Numbers can move between networks, so let the customer pick.