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Ghana Payouts

GHS payouts to banks and mobile wallets

Use this guide when you want to send GHS payouts to recipients in Ghana. Ghana supports bank transfers and mobile wallets (MTN, Telecel, and AirtelTigo).

Overview

  • Currency: GHS
  • Payment location: GHA
  • Supported rails: Bank transfer, Mobile wallet
  • Payment methods:
    • Bank transfer → paymentMethodId: "banktransfer", recipient.type: "bank_account"
    • Mobile wallet → paymentMethodId: "mobilemoney", recipient.type: "mobile_money"

Required fields by rail

Bank transfer

FieldRequiredNotes
accountNumberYesBank account number
bankCodeYesLocal bank code
accountHolderNameYesName on the account
countryYesGHA
phoneNumberNoInternational format

Mobile wallet

FieldRequiredNotes
phoneNumberYesMSISDN in international format
countryYesGHA
operatorYesUse mtn, telecel, or airteltigo
nameNoRecipient name

Top-level required fields for every payout: merchantId, merchantReference, destinationValue (with minorAmount and currency), paymentMethodId, paymentLocation, recipient, sender (see Sender details).

Sender details (required)

Every payout requires a sender object for KYT/KYC screening. fullName, identity, and identityNumber are required; the remaining sender fields are optional but may be required by certain destinations.

FieldRequiredNotes
fullNameYesSender’s full name
identityYesIdentity document type: passport, nationalId, driversLicense, residencePermit, businessRegistrationNumber, or other
identityNumberYesIdentity document number

See Create Payout for the full sender schema.

Example requests

Bank transfer

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-GH-001",
  "destinationValue": {
    "minorAmount": 250000,
    "currency": "GHS"
  },
  "paymentMethodId": "banktransfer",
  "paymentLocation": "GHA",
  "recipient": {
    "type": "bank_account",
    "accountNumber": "0123456789",
    "bankCode": "030100",
    "accountHolderName": "Ama Mensah",
    "country": "GHA"
  },
  "sender": {
    "fullName": "Jane Smith",
    "identity": "passport",
    "identityNumber": "A12345678"
  }
}

Mobile wallet (MTN example)

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-GH-002",
  "destinationValue": {
    "minorAmount": 150000,
    "currency": "GHS"
  },
  "paymentMethodId": "mobilemoney",
  "paymentLocation": "GHA",
  "recipient": {
    "type": "mobile_money",
    "phoneNumber": "233201234567",
    "country": "GHA",
    "operator": "mtn",
    "name": "Kojo Boateng"
  },
  "sender": {
    "fullName": "Jane Smith",
    "identity": "passport",
    "identityNumber": "A12345678"
  }
}