PayoutsMarkets

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).

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 (MTN)

FieldRequiredNotes
phoneNumberYesMSISDN in international format
countryYesGHA
operatorYesUse mtn
nameNoRecipient name

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

Example requests

Bank transfer

1{
2  "merchantId": "your-merchant-id",
3  "merchantReference": "PAYOUT-GH-001",
4  "destinationValue": {
5    "minorAmount": 250000,
6    "currency": "GHS"
7  },
8  "paymentMethodId": "banktransfer",
9  "paymentLocation": "GHA",
10  "recipient": {
11    "type": "bank_account",
12    "accountNumber": "0123456789",
13    "bankCode": "030100",
14    "accountHolderName": "Ama Mensah",
15    "country": "GHA"
16  }
17}

Mobile wallet (MTN)

1{
2  "merchantId": "your-merchant-id",
3  "merchantReference": "PAYOUT-GH-002",
4  "destinationValue": {
5    "minorAmount": 150000,
6    "currency": "GHS"
7  },
8  "paymentMethodId": "mobilemoney",
9  "paymentLocation": "GHA",
10  "recipient": {
11    "type": "mobile_money",
12    "phoneNumber": "233201234567",
13    "country": "GHA",
14    "operator": "mtn",
15    "name": "Kojo Boateng"
16  }
17}