How many payments apps are there in Ghana?

There are 2 payments apps available in Ghana as of 2026.

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Payments Apps in Ghana

Q: What is the best payments app in Ghana?

MTN MoMo is the top-rated payments app in Ghana. Ghana's dominant mobile money platform from MTN. Used by millions of Ghanaians daily for everything from buying groceries to paying utility bills. If a vendor does not take cards, they almost certainly take MoMo.

Mobile payments and digital wallets, curated for travelers visiting Ghana.

2 apps1 essential

MTN MoMo

Essential

Ghana's dominant mobile money platform from MTN. Used by millions of Ghanaians daily for everything from buying groceries to paying utility bills. If a vendor does not take cards, they almost certainly take MoMo.

Pro tip: Get a local MTN SIM and register for MoMo at any MTN service center with your passport. Load funds at any agent kiosk (yellow MTN booths are everywhere). Keep your PIN memorized and never share it.

Vodafone Cash

Nice to have

Vodafone's mobile money service in Ghana. Less widespread than MTN MoMo but still accepted at many merchants. A good backup if you are already on the Vodafone network.

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