Stripe in Ghana: is it available, and how to get paid
Not directly. Stripe lists Ghana in its Extended network, which sends businesses there to Paystack instead of a Stripe sign-up. Of the merchants of record we checked, Paddle, Lemon Squeezy, Polar and Dodo Payments pay out to founders in Ghana. For local customers, Paystack and Flutterwave take payments in GHS.
Global options for founders in Ghana
| Provider | What it is | For Ghana | Detail | Source |
|---|---|---|---|---|
| Stripe | payment processor | Via partner | Marked Extended network; the country links to paystack.com/stripe/ghana instead of Stripe sign-up | stripe.com |
| Stripe Atlas | US company formation | Yes | No founder-country exclusion found; Atlas terms only name Prohibited Jurisdictions (Cuba, Iran, North Korea, Syria, Crimea), none of which is this country | stripe.com |
| Paddle | merchant of record | Yes | Not on Paddle's unsupported seller countries list | paddle.com |
| Lemon Squeezy | merchant of record | Yes | On the bank payout list (PayPal payouts also offered) | docs.lemonsqueezy.com |
| Polar | merchant of record | Yes | On Polar's payout countries list | polar.sh |
| Dodo Payments | merchant of record | Yes | On the accepted countries list. Eligibility follows the country that issued your government ID (and every director's and owner's ID) | docs.dodopayments.com |
| Wise Business | business account | No | Not on the list. You may be able to register and send money, but not hold money or get account details to receive | wise.com |
| PayPal | wallet | No | Ghana isn't on PayPal's country list. | paypal.com |
Local gateways in Ghana
| Gateway | Takes | Fee | Who can sign up | Source |
|---|---|---|---|---|
| Paystack | Cards, mobile money and bank transfer; international Mastercard and Visa cards, settled in GHS | 1.95% for local cards, mobile money and bank transfer; 1.95% for international cards too. | Unregistered founders can open a Starter Business (collection limit GHS 30,000, no transfers); a Registered Business has no collection limit. | support.paystack.com |
| Flutterwave | Debit and credit cards, mobile money, wallets and bank transfer (options listed on its pricing page) | Local cards: 2.6% per transaction. Bank transfer, wallets and mobile money: 2% per transaction. International: 4.8% per transaction. Pricing excludes VAT and other local taxes. | Not stated | flutterwave.com |
Worth knowing in Ghana
| What | Detail | Source |
|---|---|---|
| Local rail operator | GhIPSS, owned by the Bank of Ghana, runs Ghana's interbank and instant payment systems, including GhIPSS Instant Pay (GIP) and mobile money interoperability. | ghipss.net |
| Bank-account checkout | The GIP Payment Gateway lets customers pay online straight from their bank account without a card. | ghipss.net |
Fees on the global options
| Provider | Headline fee | Source |
|---|---|---|
| Stripe | 2.9% + 30¢ per successful domestic card transaction (US pricing page; currency not named) | stripe.com |
| Stripe Atlas | $500 one-time setup fee including government fees and the first year of registered agent, then $100 a year (currency not named) | stripe.com |
| Paddle | 5% + 50¢ per checkout transaction (currency not named) | paddle.com |
| Lemon Squeezy | 5% + 50¢ per transaction (currency not named); small extra fees can apply in edge cases | lemonsqueezy.com |
| Polar | 5% + 50¢ per transaction on the free Starter plan for organisations created on or after 27 May 2026, plus 1.5% for non-US cards (currency not named) | polar.sh |
| Dodo Payments | 4% + 40¢ per transaction, plus 1.5% for cards and payment methods outside the US (currency not named) | dodopayments.com |
| PayPal | US rates: 2.99% + fixed fee for card payments, 3.49% + fixed fee for PayPal Checkout; sellers in other countries pay their country's rates | paypal.com |
Questions about getting paid in Ghana
- Is Stripe available in Ghana?
- Not directly. Stripe lists Ghana in its Extended network, which sends businesses there to Paystack instead of a Stripe sign-up. Checked on Stripe's global availability page on 27 October 2026.
- What can I use instead of Stripe in Ghana?
- To sell software or digital products worldwide, a merchant of record that pays out to Ghana: Paddle, Lemon Squeezy, Polar and Dodo Payments. To take payments from local customers, local gateways such as Paystack and Flutterwave.
- Which merchants of record pay out to Ghana?
- Paddle, Lemon Squeezy, Polar and Dodo Payments.
- How much does Paystack charge?
- 1.95% for local cards, mobile money and bank transfer; 1.95% for international cards too. That's as published on support.paystack.com. Who can sign up: Unregistered founders can open a Starter Business (collection limit GHS 30,000, no transfers); a Registered Business has no collection limit.
- Can I receive PayPal payments in Ghana?
- No. Ghana isn't on PayPal's country list.
- Can I use Stripe Atlas from Ghana?
- Yes. No founder-country exclusion found; Atlas terms only name Prohibited Jurisdictions (Cuba, Iran, North Korea, Syria, Crimea), none of which is Ghana.
Other countries
Argentina · Bangladesh · Colombia · Egypt · Georgia · India · Indonesia · Kenya · Morocco · Nepal · Nigeria · Pakistan · Peru · Philippines · South Africa · Sri Lanka · Turkey · Ukraine · Vietnam
To choose between a merchant of record, a US company and a local gateway, read Stripe not available in my country.
- Stripe
- Via partner
- Currency
- GHS (Ghanaian cedi)
- Merchants of record paying out
- 4 of 4
- Checked
Providers change their country lists and fees. Check each provider's own page before you sign up. Spotted something out of date? Tell us in the members' chat.