How to pay a team in Ghana from the US, Canada, the UK or Europe: channels, costs and what the recipient sees

Short answer. Fund a Storspay business account in US dollars, euros, pounds or Canadian dollars, add your recipient in Ghana once, and the payout lands the same business day in cedis to the bank account or mobile-money wallet they already use. It costs 2% all-in at the mid-market rate, against roughly 6% for a bank wire. The recipient signs up for nothing.

Ghana is one of the busiest corridors on Storspay: North American, UK and European companies paying BPO and customer-support teams, cocoa and agri buyers, schools and NGOs, creative studios in Accra, Kumasi and Takoradi. This guide covers what you need from the recipient, which channel the money travels on, what it costs against a wire, and what the person on the other end actually sees.

Who this is for — and who it is not for

Storspay is for businesses, and a sole trader counts as one. If you are a freelancer or sole proprietor trading in your own name, you open a business account of the sole-trader type. You can be paid by companies abroad, and you can pay other businesses on Storspay — including other sole traders — for work they have done for you.

What Storspay is not is a personal money-transfer service. We do not open personal accounts, and every payment has to be a business transaction: an invoice, a contract, work delivered. Money to family, gifts and personal transfers are not what this is, and we would rather say so now than at verification.

How the money gets there

• Mobile money. MTN MoMo, Telecel Cash and AT Money — in minutes, the way most of Ghana is paid.
• Bank transfer. Any Ghanaian bank account, same business day.

You never pick the rail. Storspay chooses the best live channel for each payment, shows you which one before you confirm, and splits anything above a per-transfer cap into the right number of transfers under one reference and one fee.

What you need from the recipient

Just a mobile-money number (and the network) or a bank account number and bank. No app to install, no account to open, nothing new to learn — the Ghanaian recipient is paid in cedis to the account or wallet they already use, and gets a notification from their own bank or network when it lands.

What it costs

Say you pay a team member in Accra US$10,000. Storspay charges 2% all-in — $200 — and the recipient gets GH₵115,484 at the mid-market rate on the day of writing, September 2026 (1 USD = 11.78 GHS). A bank wire at a typical 6% in fees and spread delivers about GH₵110,770. That is GH₵4,713.64 more for your team, every payment, and it lands the same business day instead of three to five days later.

How a payment runs

1. Fund your balance in USD by ACH or wire, CAD by Interac e-Transfer or EFT, GBP by UK bank transfer, or EUR by SEPA — to account details in your own name. Dollars and euros are held in the currency they arrive in, so a EUR deposit stays euros until you choose to spend it; pounds and Canadian dollars convert to US dollars on arrival at the rate shown once on the deposit.
2. Add the recipient once, or upload a CSV for a whole team. Storspay verifies the account details where the local system allows it.
3. Enter the amount in USD or in GHS — either field updates the other — and confirm. The rate is fixed at that moment.
4. Track it to "completed", which Storspay only shows once the local bank or network has confirmed the credit.

What is particular about Ghana

Ghana runs on mobile money. A salary to an MTN MoMo number arrives in minutes and the recipient can cash out at any agent or spend from the wallet. Bank transfer remains the right channel for larger amounts and for suppliers who invoice from a company account.

Paying Ghana alongside other countries

A Storspay batch can hold GHS lines next to payouts to any of the other 25 corridors, and next to USD, GBP or EUR bank payouts (from $5, £4 or €4.50) for recipients who prefer dollars, pounds or euros. One upload, one review, one total, one debit.

What "Storspay to Storspay" means

If the business you are paying is also on Storspay — a company or another sole trader — the payment is free and instant, and they receive the same currency you paid from, with no conversion in between. That is how a freelancer pays a subcontractor, or an agency settles with the designer it briefed. If they are not on Storspay, it is an ordinary payout: their local bank account or mobile-money wallet, 2% all-in, with any local delivery fee shown on the same line before you confirm.

Either way the payment has to be a business one. Storspay moves money between business accounts against work, invoices and supply — not between private individuals.

Questions we get about Ghana

Mobile money or bank for Ghana?

Mobile money for people, bank for companies and large amounts. Storspay picks the best live channel for each payment and shows you which one before you confirm.

Does the recipient pay a cash-out fee?

Mobile-money networks charge their own small withdrawal fee when cash is taken out at an agent. Storspay adds nothing on the recipient side.

Can I pay in cedis and dollars in the same batch?

Yes. A batch can mix cedi payouts with USD, GBP or EUR bank payouts and payouts to any of the other 25 corridors.

See the exact number for your volume on the calculator — pick Ghana, enter what you pay each month, and it shows what your team receives against a wire. Also read how getting paid from Ghana and the other corridors works.