Onramp in Ghana 🇬🇭
Buy USDC stablecoins directly using your mobile money account in Ghana. Top up your Solana wallet instantly using MTN Mobile Money, AirtelTigo Money, or Telecel Cash - no bank account or credit card needed.
Overview
Why use mobile money onramp in Ghana?
- ✅ Instant top-up - USDC arrives in your wallet within minutes
- ✅ No bank account needed - Use your existing mobile money account
- ✅ Automatic network detection - Phone number automatically detects your mobile money network
- ✅ Multiple networks supported - MTN Mobile Money, AirtelTigo Money, or Telecel Cash
- ✅ Direct to wallet - USDC goes straight to your Solana wallet
- ✅ Send to any wallet - You can specify any Solana wallet address
- ✅ Lower fees - Typically 0.5-2% vs 3-8% for traditional remittances
- ✅ Privacy - No need to register mobile money numbers everywhere
💡 Quick Start: Just enter your phone number and amount - the system automatically detects your mobile money network!
Supported Mobile Money Networks
reply.cash supports the following mobile money networks in Ghana:
📱 MTN Mobile Money
- Most popular mobile money service in Ghana
- Largest network coverage
- Automatic detection when you enter your MTN phone number
📱 AirtelTigo Money
- Combined Airtel and Tigo mobile money service
- Second-largest network in Ghana
- Automatic detection when you enter your AirtelTigo phone number
📱 Telecel Cash
- Telecel's mobile money service
- Growing network in Ghana
- Automatic detection when you enter your Telecel phone number
📚 Learn more about mobile money networks:
- MTN Mobile Money Ghana Deep Dive - Complete guide to MTN Mobile Money
- AirtelTigo Money Ghana Deep Dive - Complete guide to AirtelTigo Money
- Telecel Cash Ghana Deep Dive - Complete guide to Telecel Cash
- Supported Platforms - All mobile money networks
How Mobile Money Network Detection Works
When you enter your phone number, reply.cash automatically detects which mobile money network you're using:
- Enter Phone Number - Enter your Ghanaian mobile money registered phone number
- Automatic Detection - System identifies your network (MTN, AirtelTigo, or Telecel)
- Network Confirmation - The correct mobile money network is selected automatically
- Proceed with Payment - Complete the purchase using your detected network
Phone Number Formats:
- MTN Mobile Money:
+233241234567or+233501234567 - AirtelTigo Money:
+233241234567or+233271234567 - Telecel Cash:
+233241234567or+233271234567
Note: The system automatically detects your network based on your phone number prefix and carrier information.
How to Buy USDC with Mobile Money in Ghana
Step-by-Step Instructions
-
Open reply.cash
- Visit app.reply.cash
- Connect your Solana wallet if not already connected
-
Navigate to Onramp
- Click "Top Up" in the navigation menu
- Select "Buy with Mobile Money" or "Ghana"
-
Enter Your Details
- Amount: Enter the amount in Ghanaian Cedis (GHS) you want to convert to USDC
- Your Phone Number: Enter your Ghanaian mobile money registered phone number
- Format:
+233241234567(include country code, remove leading 0) - Example: If your number is
0241234567, enter+233241234567 - Network Detection: Your mobile money network (MTN, AirtelTigo, or Telecel) will be automatically detected
- Format:
-
Select Destination Wallet (Optional)
- Default: USDC will be sent to your connected Solana wallet
- External Wallet: You can specify any Solana wallet address (doesn't have to be yours)
- Enter the Solana wallet address manually
- Or scan a QR code if available
- Important: Double-check the wallet address - transactions cannot be reversed
-
Review Exchange Rate
- Review the current GHS to USDC exchange rate
- See the exact amount of USDC you'll receive
- Check any fees (if applicable)
-
Authorize Payment
- Click "Confirm" or "Buy with Mobile Money"
- You'll receive a payment prompt on your phone (varies by network)
- Enter your mobile money PIN to authorize the payment
- The payment will be processed automatically
-
Wait for Confirmation
- Transaction typically completes in 1-5 minutes
- You'll receive a confirmation notification
- USDC will appear in your selected Solana wallet
- Check your wallet balance to verify
Mobile Money Network-Specific Instructions
MTN Mobile Money
How it works:
- Enter your MTN phone number (automatically detected)
- Confirm the amount in GHS
- Authorize using MTN Mobile Money PIN
- USDC arrives in your wallet within minutes
Transaction Limits:
- Minimum: GHS 5
- Maximum: GHS 5,000 per transaction
- Daily limits vary by account tier
AirtelTigo Money
How it works:
- Enter your AirtelTigo phone number (automatically detected)
- Confirm the amount in GHS
- Authorize using AirtelTigo Money PIN
- USDC arrives in your wallet within minutes
Transaction Limits:
- Minimum: GHS 5
- Maximum: GHS 5,000 per transaction
- Daily limits vary by account tier
Telecel Cash
How it works:
- Enter your Telecel phone number (automatically detected)
- Confirm the amount in GHS
- Authorize using Telecel Cash PIN
- USDC arrives in your wallet within minutes
Transaction Limits:
- Minimum: GHS 5
- Maximum: GHS 5,000 per transaction
- Daily limits vary by account tier
Sending to External Wallets
You can buy USDC and send it directly to any Solana wallet address, even if it's not yours.
Use Cases
- Send to someone else: Buy USDC and send it directly to a friend's or family member's wallet
- Multiple wallets: Top up different wallets from one mobile money account
- Business payments: Send USDC directly to business wallets
- Gift USDC: Purchase and send USDC as a gift
How to Send to External Wallet
-
Enter External Wallet Address
- In the onramp form, select "Send to External Wallet"
- Enter the Solana wallet address (starts with letters/numbers, typically 32-44 characters)
- Example:
BYPsjxa3YuZESQz1dKuBw1QSFCSpecsm8nCQhY5xbU1Z
-
Verify Address
- Double-check the wallet address is correct
- Solana addresses are case-sensitive
- Wrong addresses will result in lost funds
-
Complete Purchase
- Enter amount and phone number as usual
- Network will be automatically detected
- Confirm payment
- USDC will be sent directly to the specified wallet
Important Notes:
- ⚠️ Verify the address - Transactions cannot be reversed
- ⚠️ Test with small amount first - If unsure, test with a small amount
- ⚠️ Solana network only - Ensure the wallet address is for Solana network
- ⚠️ No refunds - Once sent, USDC cannot be retrieved
Transaction Limits & Fees
Mobile Money Transaction Limits
Daily Limits:
- Varies by mobile money network and account tier
- Typically: GHS 1,000 - GHS 10,000 per day
Single Transaction Limits:
- Minimum: GHS 5
- Maximum: GHS 5,000 per transaction
Limits vary based on your mobile money account verification level (KYC tier)
Fees
Mobile Money Fees:
- Each network (MTN, AirtelTigo, Telecel) charges standard transaction fees
- Fees are deducted from your mobile money balance
- Fees vary by network and transaction amount
reply.cash Fees:
- Exchange rate spread (GHS to USDC conversion)
- No additional platform fees during initial growth phase
- Transparent pricing shown before confirmation
Real-World Examples:
Example 1: Small Purchase
- Buying GHS 50 worth of USDC
- Mobile money fee: ~GHS 0.50-1.00 (varies by network)
- Exchange rate: Current market rate (e.g., 1 GHS = 0.063 USDC)
- USDC received: ~3.1-3.15 USDC
Example 2: Medium Purchase
- Buying GHS 500 worth of USDC
- Mobile money fee: ~GHS 2.50-5.00 (varies by network)
- Exchange rate: Current market rate
- USDC received: ~31-31.5 USDC
Example 3: Large Purchase
- Buying GHS 2,000 worth of USDC
- Mobile money fee: ~GHS 10-20 (varies by network)
- Exchange rate: Current market rate
- USDC received: ~125-126 USDC
💡 Tip: Fees are typically lower for larger transactions. Check the exact fee before confirming.
Troubleshooting
Payment Failed
Problem: Payment authorization failed.
Solutions:
- ✅ Check you have sufficient mobile money balance (amount + fees)
- ✅ Verify your mobile money PIN is correct
- ✅ Ensure you're within daily transaction limits
- ✅ Check if your mobile money account is active and not suspended
- ✅ Verify your phone number matches your registered mobile money account
- ✅ Try again after a few minutes
- ✅ Contact support with transaction details if issue persists
USDC Not Received
Problem: Payment was successful but USDC hasn't arrived in wallet.
Solutions:
- ✅ Wait 5-10 minutes - processing can take time
- ✅ Check the correct wallet address was used
- ✅ Verify wallet is connected and synced
- ✅ Check transaction status on Solana Explorer
- ✅ Refresh your wallet balance
- ✅ Contact support with mobile money transaction code and wallet address
Wrong Network Detected
Problem: System detected the wrong mobile money network.
Solutions:
- ✅ Verify your phone number is correct
- ✅ Ensure your phone number matches your registered mobile money account
- ✅ You can manually select your network if auto-detection fails
- ✅ Contact support if network detection continues to fail
Exchange Rate Questions
Problem: Received less USDC than expected.
Solutions:
- ✅ Exchange rates fluctuate - check current rate at time of transaction
- ✅ Review transaction details for exact conversion rate used
- ✅ Mobile money fees are deducted from your balance
- ✅ Exchange rate spread applies (GHS to USDC conversion)
- ✅ Contact support if conversion seems incorrect
Security Best Practices
Protect Your Mobile Money Account
- ✅ Never share your mobile money PIN - reply.cash will never ask for your PIN
- ✅ Only enter PIN on official mobile money prompts - Payment authorization notifications
- ✅ Verify merchant name - Should show "reply.cash" or similar
- ✅ Check amount before confirming - Verify the amount matches your purchase
- ✅ Keep your phone secure - Use screen lock and biometric authentication
Protect Your Wallet
- ✅ Verify wallet addresses - Always double-check before sending
- ✅ Test with small amounts first - If using external wallet addresses
- ✅ Keep wallet private keys secure - Never share your seed phrase
- ✅ Use official reply.cash app only - Avoid phishing sites
- ✅ Check transaction confirmations - Verify USDC arrived correctly
Mobile Money Network Comparison
| Feature | MTN Mobile Money | AirtelTigo Money | Telecel Cash |
|---|---|---|---|
| Market Share | Largest (~60-70%) | Second (~20-25%) | Growing |
| Network Coverage | Extensive | Good | Expanding |
| Transaction Speed | 1-5 minutes | 1-5 minutes | 1-5 minutes |
| Min Transaction | GHS 5 | GHS 5 | GHS 5 |
| Max Transaction | GHS 5,000 | GHS 5,000 | GHS 5,000 |
| Auto-Detection | ✅ Yes | ✅ Yes | ✅ Yes |
| Agent Network | Largest | Good | Growing |
📊 Which network should I use? All networks work the same way with reply.cash. Use whichever network you have an active account with. The system automatically detects your network based on your phone number.
Frequently Asked Questions
How long does it take to receive USDC?
USDC typically arrives in your wallet within 1-5 minutes after you confirm the payment. Processing times may vary based on network congestion and mobile money provider.
Can I buy USDC for someone else?
Yes! You can specify any Solana wallet address when buying USDC. Enter the recipient's wallet address in the "External Wallet" field, and USDC will be sent directly to them.
What if I enter the wrong phone number?
If you enter the wrong phone number, the payment will be sent to that number. Only the person with that phone number and mobile money PIN can authorize the payment. Double-check your phone number before confirming.
Can I cancel a purchase after confirming?
Once you confirm the payment, the transaction cannot be cancelled. However, if you haven't entered your mobile money PIN yet, you can simply ignore the payment notification and it will expire after a few minutes.
What exchange rate is used?
The exchange rate is based on current market rates (GHS to USDC) at the time of your transaction. The exact rate is shown before you confirm the purchase.
Are there minimum or maximum amounts?
- Minimum: GHS 5 (varies by network)
- Maximum: GHS 5,000 per transaction (varies by network and account tier)
Which mobile money network should I use?
All supported networks (MTN Mobile Money, AirtelTigo Money, Telecel Cash) work the same way. Use whichever network you have an active account with. The system will automatically detect your network based on your phone number.
Recommendations:
- MTN Mobile Money: Best if you want the largest agent network and most widespread acceptance
- AirtelTigo Money: Good alternative with competitive features
- Telecel Cash: Growing network, good for users already on Telecel
Can I switch between networks?
Yes! You can use different mobile money networks for different purchases. Each transaction is independent - just enter the phone number associated with the network you want to use.
What if I have multiple mobile money accounts?
You can use any of your mobile money accounts. Simply enter the phone number associated with the account you want to use for that specific purchase. The system will automatically detect which network that number belongs to.
See Also
- 📖 Onramping Overview - All onramp methods
- 📖 Getting Started - Set up your wallet
- 💰 How to Send Money - Send to mobile money and banks
- 🇬🇭 Sending to Ghana - Send payments to Ghana
- 🌍 Supported Platforms - All countries and payment methods
- 📱 Ghana Onboarding Guide - Complete onboarding for Ghana
- ❓ FAQ - Common questions
- 🔧 Troubleshooting - Fix common issues
💡 Pro Tips for Ghana
- Network detection: Always use international format (+233) for best auto-detection
- Start small: Test with GHS 50-100 first to familiarize yourself
- Check balance: Ensure you have enough mobile money balance (amount + fees)
- Peak times: Transactions may take slightly longer during peak hours (evenings, weekends)
- Keep receipts: Save SMS confirmations for your records
- Multiple networks: You can use different networks for different purchases
- Agent locations: Find MTN/AirtelTigo/Telecel agents near you for cash deposits if needed
Buy USDC instantly with mobile money in Ghana. Automatic network detection, secure, fast, and direct to your Solana wallet. Convert GHS to USDC with MTN Mobile Money, AirtelTigo Money, or Telecel Cash.