Compliance requirements for Ghana

• A government-issued form of identification — Passport, National ID card, Driver’s Licence or Voter's card.

• Tax identification number.

• Personal bank account number or personal mobile money number.

• Your contact/business owner information.

All the information you provide must belong to the same person, i.e., the names must match all these requirements. If these details do not match, we cannot activate your account.

For Ghana-based Registered businesses, we require different types of information from you based on your Registration type. We've outlined a brief overview of the different Registration types and the information we require below:

If you need any more help with submitting these documents, please don't hesitate to contact us via our contact form or email us at support@paystack.com.

The Electronic Transfer Levy Act (e-levy) is a tax the Ghanaian Government imposes on electronic transactions apart from those exempted by law.

Anyone who uses electronic means (mobile money, bank account or card) to pay a business/individual not registered with the GRA will be charged the levy.

The entities responsible for charging the levy on behalf of the Ghana Revenue Authority are mobile money providers like MTN Momo, Vodafone Cash, AirtelTigo Money, etc., Payment Service Providers (PSPs) like Paystack, banks and other financial institutions prescribed by Regulations.

There are three ways the e-levy charge will affect your Paystack business;

1. When your customer makes a payment to you that is above GHS 100 either via mobile money or their local bank card, they will be charged 1% of the amount as an e-levy. You will not be charged at this point. The e-levy only applies to domestic payments and transfers. Payments you receive from international cards will not be charged.

2. When you transfer from your Paystack balance to a customer for an amount above GHS 100, we will charge you 1% of the amount you’re transferring, which will be remitted to the Ghana Revenue Authority (GRA). This charge will be deducted from your Paystack balance.

3. When you receive a payout above GHS 100, we will deduct 1% of the amount on behalf of the GRA and remit the difference to you.

Under the law, payments made to businesses or individuals ("specified merchant payments") will not be subject to the e-levy as long as the business or individual is registered with the Ghana Revenue Authority (GRA) and is in good standing with all the applicable tax requirements.

Please upload your valid Ghana Card if you run a Starter Business or your Tax Identification Number (TIN) if you’re a Registered Business on your Paystack Dashboard.

A valid Ghana card or Tax Identification Number (TIN) will be the primary method for verifying your registration with the Ghana Revenue Authority.

Once you upload the requested information, each payment made to and from your business will be verified against your tax compliance status with the GRA. If the GRA validates your e-levy exemption status, payments from your customers to your business will not attract the e-levy.

You can read more on the e-levy on the official website of the Ghana Revenue Authority.

The GPS address is Ghana's official digital property addressing system, covering every part of the country to ensure accurate and easy location identification.

The national digital address comprises your postal code and your unique address. The first letter in the postcode represents your region of residence, and the second represents the district.

For example, for GPS address: GA-183-8164, 'GA-183' is the area's postal code, where 'G' is the region (Greater Accra Region), 'A' is the district (Accra district), and '8164' is the unique address.

• It provides an accurate address for every location in the country.

• It makes communication easier during emergencies like fire, robbery, etc.

• It helps to validate exact business locations on the map.

• You need a GPS address to register for a Ghana card, which is the most common means of identification in Ghana.

You can get the GPS address of your location in three ways:

You can find the digital address on some apartment buildings. It is usually posted on the front wall of the building. Here's an example of what this looks like below:

You can get your GPS address from the Ghana Post app. Generating your digital address is straightforward once the app is downloaded to your phone from the App Store or Play Store. Kindly follow these steps to download your GPS address for the GPS app:

1. Ensure your phone’s location button is turned on.

2. Open the Ghana PostGPS app and click on the button.

3. Your unique address will appear next to the digital address, for example, GA-543-0125.

You can download the app from the Google Play Store if you use an Android device or the App Store if you use an iOS device.

You can also get your GPS address from the Ghana Post website. Once you visit the site, the GPS address of your current location is automatically shown on the screen of your device.

For more information on GPS addresses, you can visit the Ghana Post support page.