Pay as you go
No setup fees. No monthly fees. No hidden costs.
Products
Everything you need to accept payments and grow your business
Payments
1.2%per successful transaction
Accept Mobile Money payments from customers across Ghana
- MTN Mobile Money, Telecel Cash, AirtelTigo Money
- Real-time payment notifications
- Instant settlement available
- Fraud protection included
- No setup fees or monthly fees
Payouts
1.0%per payout
Send money to any mobile wallet or bank account
- Mobile money payouts
- Bank account transfers
- Batch payouts
- Scheduled transfers
- Real-time tracking
Billing
0.5%on top of payment fees
Recurring payments and subscription management
- Recurring billing
- Usage-based pricing
- Invoicing
- Customer portal
- Revenue recovery
Included with every account
No extra charge for the essentials
Fraud protection
Machine learning fraud prevention included at no extra cost.
Instant setup
Start accepting payments in minutes, not weeks.
All networks
MTN, Telecel, and AirtelTigo Mobile Money included.
Developer support
Email support and comprehensive documentation.
Choose how you work with PayGate
Flexible options for businesses of all sizes
Integrated
For businesses building on PayGate
- 1.2% per successful transaction
- No monthly fees
- All payment methods included
- Full API access
- Dashboard & analytics
- Email support
Frequently asked questions
Have more questions? Contact us
How does pricing work?
We charge 1.2% per successful transaction. There are no setup fees, no monthly fees, and no hidden charges. You only pay when you get paid.
Are there any hidden fees?
No. The 1.2% fee covers everything - payment processing, fraud protection, and access to all mobile money networks. Failed or refunded transactions are not charged.
What payment methods are supported?
PayGate supports all major mobile money providers in Ghana: MTN Mobile Money, Telecel Cash, and AirtelTigo Money.
How fast are settlements?
Standard settlements are processed within 24-48 hours. For high-volume merchants, we offer same-day or instant settlement options.
Do you offer volume discounts?
Yes! For businesses processing over GHS 500,000 per month, we offer custom pricing with reduced transaction fees. Contact our sales team to discuss your needs.
Is there a free trial?
You can start using PayGate immediately with no upfront costs. Test in sandbox mode for free, and only pay the transaction fee when you go live and process real payments.