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Sending to Ghana 🇬🇭

Send payments to Ghana through MTN Mobile Money, AirtelTigo, or Telecel. Payments are automatically converted from USDC to Ghanaian Cedis (GHS) and settled on local mobile money networks.

Benefits of using reply.cash for Ghana:

  • Lower fees - Typically under 2% vs 3-8% for traditional remittances
  • Instant settlement - Mobile money payments process in 1-5 minutes
  • No registration required - Recipients don't need to register mobile money numbers
  • Privacy - Avoid mobile money registration tracking that reveals location and personal information
  • Universal balance - One crypto balance works for all countries, no need to maintain separate balances

Supported Payment Methods​

  • MTN Mobile Money - Most popular mobile money service in Ghana
  • AirtelTigo Money - Combined Airtel and Tigo mobile money
  • Telecel Cash - Telecel's mobile money service

📚 Want to learn more about payment methods? Check out our deep dive guides:

Transaction Limits​

  • Minimum: GHS 5
  • Maximum: GHS 5,000

How to Send​

Step 1: Prepare Your Wallet​

  1. Ensure you have USDC in your Solana wallet
  2. Have a small amount of SOL for gas fees (< $0.01)
  3. Connect your wallet to reply.cash

Step 2: Initiate Payment​

  1. Open the reply.cash app
  2. Tap "Send" on the home screen
  3. Select "Local Payment Rails" or "Mobile Money"
  4. Choose 🇬🇭 Ghana from the country list

Step 3: Select Payment Method​

Choose one of the following:

Option A: MTN Mobile Money​

  1. Select "MTN Mobile Money" as the payment method
  2. Enter the recipient's MTN Mobile Money registered phone number (e.g., +233241234567)
  3. Enter the amount in GHS (or USD - it will auto-convert)
  4. Review the conversion rate and total
  5. Confirm the transaction

Option B: AirtelTigo Money​

  1. Select "AirtelTigo Money" as the payment method
  2. Enter the recipient's AirtelTigo Money registered phone number (e.g., +233241234567)
  3. Enter the amount in GHS (or USD - it will auto-convert)
  4. Review the conversion rate and total
  5. Confirm the transaction

Option C: Telecel Cash​

  1. Select "Telecel Cash" as the payment method
  2. Enter the recipient's Telecel Cash registered phone number (e.g., +233241234567)
  3. Enter the amount in GHS (or USD - it will auto-convert)
  4. Review the conversion rate and total
  5. Confirm the transaction

Step 4: Confirm and Send​

  1. Review all details:
    • Recipient's phone number
    • Amount in GHS
    • Exchange rate
    • Total USDC to be deducted
    • Transaction fee
  2. Tap "Confirm" or "Send"
  3. Authenticate using your wallet (approve the transaction)
  4. Wait for confirmation (usually 1-2 seconds)

Step 5: Payment Settlement​

  • Payment is processed and settled on local mobile money networks
  • Recipient receives funds in their mobile money account
  • You receive a receipt for your records
  • Recipient receives SMS notification

What Recipients Need to Know​

For MTN Mobile Money Recipients​

  • Recipient must have an active MTN Mobile Money account registered with the phone number
  • Funds appear in their MTN Mobile Money balance immediately
  • They can withdraw at MTN agents, use for payments, or transfer to bank
  • No action required - funds are automatically deposited

For AirtelTigo Money Recipients​

  • Recipient must have an active AirtelTigo Money account registered with the phone number
  • Funds appear in their AirtelTigo Money balance immediately
  • They can withdraw at AirtelTigo agents or use for payments
  • No action required - funds are automatically deposited

For Telecel Cash Recipients​

  • Recipient must have an active Telecel Cash account registered with the phone number
  • Funds appear in their Telecel Cash balance immediately
  • They can withdraw at Telecel agents or use for payments
  • No action required - funds are automatically deposited

Important Notes​

Phone Number Format​

  • Use international format: +233 followed by the number
  • Example: +233241234567
  • Ensure the phone number matches the registered mobile money account

Currency Conversion​

  • USDC is automatically converted to GHS at current exchange rates
  • Exchange rate is shown before confirmation
  • Conversion happens in real-time during the transaction

Transaction Fees​

  • Recipients receive the full amount - no fees deducted
  • Senders pay only blockchain gas fees (SOL, < $0.01)
  • No additional fees during initial growth phase

Limits and Restrictions​

  • Minimum transaction: GHS 5
  • Maximum transaction: GHS 5,000
  • Daily limits may apply based on recipient's account type
  • Ensure recipient's account can receive the amount

Troubleshooting​

Payment Failed​

  • Check that you have sufficient USDC and SOL in your wallet
  • Verify the phone number is correct
  • Ensure the amount is within limits (GHS 5 - GHS 5,000)
  • Check recipient's account is active and can receive funds

If USDC was deducted but payment didn't complete: See our Refund Policy for instructions on requesting a refund.

Recipient Didn't Receive Funds​

  • Verify the phone number matches their registered mobile money account
  • Check if recipient's account has any restrictions
  • Wait a few minutes - some networks may take longer to process
  • Contact support with transaction hash if issue persists

Wrong Amount Received​

  • Exchange rates fluctuate - check the rate at time of transaction
  • Verify the amount you entered matches what was sent
  • Check transaction receipt for exact conversion details

Security Tips​

  • ✅ Always double-check phone numbers before sending
  • ✅ Verify recipient's identity for large transactions
  • ✅ Save transaction receipts for your records
  • ✅ Never share your wallet recovery phrase
  • ✅ Use official reply.cash app only

Need Help?​

For information about other supported countries, see Supported Platforms.