Ghana payout

Payment Account Types

The supported payment account types in Ghana are:

MOBILE_MONEY
BANK_ACCOUNT

Mobile Money

The supported mobile money operators in Ghana are:

AT (aka AIRTELTIGO)
MTN
VODAFONE

Bank Account

We support payouts to various banks in Ghana. To retrieve the most current list of supported banks, use the List Banks endpoint.

Decimal Requirements

Payment Account Type	Decimals Allowed
MOBILE_MONEY (AT)	2
MOBILE_MONEY (MTN)	2
MOBILE_MONEY (VODAFONE)	2
BANK_ACCOUNT	2

Transaction Limits

Payment Account Type	Minimum Amount (GHS)	Maximum Amount (GHS)
MOBILE_MONEY (AT)	10	20,000
MOBILE_MONEY (MTN)	10	20,000
MOBILE_MONEY (VODAFONE)	10	20,000
BANK_ACCOUNT	10	50,000

ℹ️
Info: Mobile money payouts in Ghana are supported up to 20,000 GHS. Note that this a Rafiki platform limit only — the recipient's mobile network operator also enforces its own daily and wallet limits based on the customer's account tier, which Rafiki cannot view or control. If a payout exceeds the recipient's limit, the transfer may fail, regardless of Rafiki's platform limit. Please see the payout state contexts here: https://docs.rafiki.com/reference/post_payouts#%E2%84%B9%EF%B8%8F-lifecycle

Compliance Requirements

Field	Requirements
purpose	Required (please refer to the list of allowed values in Create Payout)
sender.type	Required
sender.name	Required
sender.address.line_1	Required
sender.address.city	Required
sender.address.postal_code	Required
sender.address.country	Required
sender.individual.dob	Required (with type `INDIVIDUAL`)
sender.individual.country_of_birth	Optional (with type `INDIVIDUAL`)
sender.individual.identity_document.type	Required (with type `INDIVIDUAL`)
sender.individual.identity_document.country	Required (with type `INDIVIDUAL`)
sender.individual.identity_document.number	Required (with type `INDIVIDUAL`)
sender.individual.identity_document.expires_on	Required (with type `INDIVIDUAL`)
payment_account.holder.address.line_1	Optional (required if address is provided)
payment_account.holder.address.city	Optional (required if address is provided)
payment_account.holder.address.postal_code	Optional (required if address is provided)
payment_account.holder.address.country	Optional (required if address is provided)
metadata	Optional

Sample Payload

The samples below are specific to Ghana and based on the local regulations.

For a more comprehensive list of fields, see the Create Payout resource.

{
  "amount": {
    "currency": "GHS",
    "value": "125.50"
  },
  "payment_account": {
    "type": "MOBILE_MONEY",
    "country": "GH",
    "holder": {
      "type": "INDIVIDUAL",
      "name": "John Doe",
      "address": {
        "line_1": "Independence Avenue",
        "city": "Accra",
        "postal_code": "GA-145-2378",
        "country": "GH"
      }
    },
    "mobile_money": {
      "operator": "AT",
      "number": "+233201234567"
    }
  },
  "purpose": "REMITTANCE",
  "sender": {
    "type": "INDIVIDUAL",
    "name": "Mario Rossi",
    "address": {
      "line_1": "Piazza del Colosseo",
      "line_2": "1",
      "line_3": "",
      "city": "Roma",
      "postal_code": "00184",
      "country": "IT"
    },
    "individual": {
      "dob": "1985-06-15",
      "country_of_birth": "IT",
      "identity_document": {
        "type": "PASSPORT",
        "country": "IT",
        "number": "YA0000000",
        "expires_on": "2030-01-01"
      }
    }
  },
  "metadata": {
    "invoice_id": "INV-84721",
    "arbitrary_field": "my-custom-field-value"
  }
}

ℹ️
Info: The bank_id shown in this sample refers to a fictitious bank in our sandbox environment. It is intended for testing only and will not work in production. In production, retrieve the current list of supported banks and use a real bank_id for the destination country via the List Banks endpoint.

{
  "amount": {
    "currency": "GHS",
    "value": "2500.00"
  },
  "payment_account": {
    "type": "BANK_ACCOUNT",
    "country": "GH",
    "holder": {
      "type": "INDIVIDUAL",
      "name": "John Doe",
      "address": {
        "line_1": "Independence Avenue",
        "city": "Accra",
        "postal_code": "GA-145-2378",
        "country": "GH"
      }
    },
    "bank_account": {
      "bank_id": "bnk-2kFFq62yS1WSHqh72s9VRe1XwDM",
      "number": "0123456789"
    }
  },
  "purpose": "REMITTANCE",
  "sender": {
    "type": "INDIVIDUAL",
    "name": "Mario Rossi",
    "address": {
      "line_1": "Piazza del Colosseo",
      "line_2": "1",
      "line_3": "",
      "city": "Roma",
      "postal_code": "00184",
      "country": "IT"
    },
    "individual": {
      "dob": "1985-06-15",
      "country_of_birth": "IT",
      "identity_document": {
        "type": "PASSPORT",
        "country": "IT",
        "number": "YA0000000",
        "expires_on": "2030-01-01"
      }
    }
  },
  "metadata": {
    "invoice_id": "INV-84721",
    "arbitrary_field": "my-custom-field-value"
  }
}