Pricing - Making Payments Simple

Simple, straight forward pricing

iPay offers simple, straight forward and transparent pricing designed
for businesses of all sizes and at different stages of growth.

Features	Basic	Standard	Enterprise
	Ideal for Individuals, Start-Ups , Freelancers and unregistered businesses who are just starting out or trying out an idea.	Ideal for growing businesses with business registration documents and business bank accounts.	Ideal for businesses at scale or businesses looking to receive international payments.
Transaction Fees	1.9% + 0.5p Per Successful Transaction	2.5% + 0.5p Per Successful Transaction	3.5% + 0.5p Per Successful Transaction
Payment Channels Supported	Accept MTN Mobile Money, Vodafone Cash and AirtelTigo Money and QR Payments	Accept MTN Mobile Money, Vodafone Cash and AirtelTigo Money and QR Payments Accept VISA and MasterCard payments in GHs (Local issued cards only)	Accept MTN Mobile Money, Vodafone Cash and AirtelTigo Money and QR Payments Accept VISA and MasterCard payments in GHs ( Both Local & Internationally issued cards )
Setup, Monthly or Integration Fees	No Integration Fees No Hidden Charges No Monthly Fees No Setup Fees	Monthly fees may apply for card reader Setup fee may apply for card reader No integration fees No hidden charges	Monthly fees may apply for card reader Setup fee may apply for card reader No integration fees No hidden charges
Sales Channels Supported	Sell everywhere into ONE account Online or Social Media or App In your shop or Offline On Mobile - USSD	All channels in BASIC + Card reader or POS terminal.	All channels in BASIC + Card reader or POS terminal.
Our Support Channels	5 working days per week Telephone support Email support	7 days per week Telephone support Email support	7 days per week Telephone and Email support Dedicated Account Manager

Features	Basic
	Ideal for Individuals, Start-Ups , Freelancers and unregistered businesses who are just starting out or trying out an idea.
Transaction Fee	1.9% + 0.5p Per Successful Transaction
Payment Channel Supported	Accept MTN Mobile Money, Vodafone Cash and AirtelTigo Money and QR Payments
Setup, Monthly or Integration Fee	No Integration Fees No Hidden Charges No Monthly Fees No Setup Fees
Sales Channel Supported	Sell everywhere into ONE account Online or Social Media or App In your shop or Offline On Mobile - USSD
Our Support Channel	5 working days per week Telephone support Email support

Features	Standard
	Ideal for growing businesses with business registration documents and business bank accounts.
Transaction Fee	2.5% + 0.5p Per Successful Transaction
Payment Channel Supported	Accept MTN Mobile Money, Vodafone Cash and AirtelTigo Money and QR Payments Accept VISA and MasterCard payments in GHs (Local issued cards only)
Setup, Monthly or Integration Fee	Monthly fees may apply for card reader Setup fee may apply for card reader No integration fees No hidden charges
Sales Channel Supported	All channels in BASIC + Card reader or POS terminal.
Our Support Channel	7 days per week Telephone support Email support

Features	Enterprise
	Ideal for businesses at scale or businesses looking to receive international payments.
Transaction Fee	3.5% + 0.5p Per Successful Transaction
Payment Channel Supported	Accept MTN Mobile Money, Vodafone Cash and AirtelTigo Money and QR Payments Accept VISA and MasterCard payments in GHs ( Both Local & Internationally issued cards )
Setup, Monthly or Integration Fee	Monthly fees may apply for card reader Setup fee may apply for card reader No integration fees No hidden charges
Sales Channel Supported	All channels in BASIC + Card reader or POS terminal.
Our Support Channel	7 days per week Telephone and Email support Dedicated Account Manager

In-Shop and Offline Payments

Wherever you sell; whether in your brick and mortar shop, by your sales or delivery personnel out on the go, iPay
offers a convenient, cashless and simple way to accept payments from all these outlets into ONE ACCOUNT.

Accept Mobile Money, QR and Card payments with iPay ONE-POS
Manage your products, inventory and customer loyalty
Pay your suppliers , utility bills and send money in ONE click
Get extra shop visits and earn commissions in your pocket with our PayPoint Services.

Mobile Money & QR payments	Customer pays standard mobile money fees
Card payments	2.5% per transaction
PayPoint sales commissions	Airtime Top-Ups Surfline & Busy 4G DSTV, GOTV, Vodafone & MTN Broadband ECG & Ghana Water	- 4% commission - 4% commission - 1% commission - 50% of transaction fee

Other Fees

Payouts (Send Money to Mobile Money & Bank Accounts)
Send Bulk SMS to your customers on their Birthdays, offer discounts and many more

Mobile Money

Between 0 to 50 GHs

Between 50 to 1000 GHs

Above 1000 GHs

- 0.5p Fee per pay-out

- 1% Fee per pay-out

- 10 GHs Fee per pay-out

Pay as you use SMS

GHs 0.032 per message to all local networks

Different Business Model?

Do you want to implement a different pricing model, have high volume transactions or have a special requirement for your business?
Get in touch to discuss your requirement.

Contact Sales

Frequently Asked Questions

When and How do I get my money to my bank account?

All payments received are deposited in your iPay Balance on a T+1 basis for Local Payments; (less any applicable Fees as per our Fee Schedule), where T is the transaction date. International Payments are charged and settled in Ghana cedis on varying cycles.

Your received funds in your iPay Balance can be transferred to your designated bank account upon your request. Alternatively, you can use our PayOut/Send Money function to disburse payments to your suppliers, employees or pay your bills and top-up airtime instantly.

You can initiate a transfer request at any time on a business day by clicking the “Transfer Funds button” in your iPay Dashboard. When your request is processed, you will receive a Funds Transfer Report via Email and/or SMS. Transfers to your account may normally register in your bank account within 48hours. You can always check on the status of your transfer in your iPay Dashboard.

Are there any transaction limits?

We process only a minimum transfer of GHS 200. If your collected funds are less than this minimum, it shall remain pending transfer until your transactions reach the minimum GHS 200 limit.

Who bears the transaction charge?

By default, merchants or businesses typically pay a transaction fee on successful transactions processed through the platform. You can pass on the fee to your customers if you wish to. Kindly contact our support team @support@ipaygh.com.

Simple, straight forward pricing

Features

Basic

Standard

Enterprise

1.9% + 0.5p
Per Successful Transaction

2.5% + 0.5p
Per Successful Transaction

3.5% + 0.5p
Per Successful Transaction

Features

Basic

1.9% + 0.5p
Per Successful Transaction

Features

Standard

2.5% + 0.5p
Per Successful Transaction

Features

Enterprise

3.5% + 0.5p
Per Successful Transaction

In-Shop and Offline Payments

Wherever you sell; whether in your brick and mortar shop, by your sales or delivery personnel out on the go, iPay
offers a convenient, cashless and simple way to accept payments from all these outlets into ONE ACCOUNT.

Accept Mobile Money, QR and Card payments with iPay ONE-POS

Manage your products, inventory and customer loyalty

Pay your suppliers , utility bills and send money in ONE click

Get extra shop visits and earn commissions in your pocket with our PayPoint Services.

Other Fees

Payouts (Send Money to Mobile Money & Bank Accounts)

Send Bulk SMS to your customers on their Birthdays, offer discounts and many more

Different Business Model?

Do you want to implement a different pricing model, have high volume transactions or have a special requirement for your business?
Get in touch to discuss your requirement.

Frequently Asked Questions

Accept Payments

Make Payments

Business Tools

Grow your Business

Company

Developers

Help & Support

Simple, straight forward pricing

Features

Basic

Standard

Enterprise

1.9% + 0.5p Per Successful Transaction

2.5% + 0.5p Per Successful Transaction

3.5% + 0.5p Per Successful Transaction

Features

Basic

1.9% + 0.5p Per Successful Transaction

Features

Standard

2.5% + 0.5p Per Successful Transaction

Features

Enterprise

3.5% + 0.5p Per Successful Transaction

In-Shop and Offline Payments

Wherever you sell; whether in your brick and mortar shop, by your sales or delivery personnel out on the go, iPay offers a convenient, cashless and simple way to accept payments from all these outlets into ONE ACCOUNT.

Accept Mobile Money, QR and Card payments with iPay ONE-POS

Manage your products, inventory and customer loyalty

Pay your suppliers , utility bills and send money in ONE click

Get extra shop visits and earn commissions in your pocket with our PayPoint Services.

Other Fees

Payouts (Send Money to Mobile Money & Bank Accounts)

Send Bulk SMS to your customers on their Birthdays, offer discounts and many more

Different Business Model?

Do you want to implement a different pricing model, have high volume transactions or have a special requirement for your business? Get in touch to discuss your requirement.

Frequently Asked Questions

1.9% + 0.5p
Per Successful Transaction

2.5% + 0.5p
Per Successful Transaction

3.5% + 0.5p
Per Successful Transaction

1.9% + 0.5p
Per Successful Transaction

2.5% + 0.5p
Per Successful Transaction

3.5% + 0.5p
Per Successful Transaction

Wherever you sell; whether in your brick and mortar shop, by your sales or delivery personnel out on the go, iPay
offers a convenient, cashless and simple way to accept payments from all these outlets into ONE ACCOUNT.

Do you want to implement a different pricing model, have high volume transactions or have a special requirement for your business?
Get in touch to discuss your requirement.