Link, checkout or API
Share a payment link, redirect to a hosted page or create payments through the API from your own site.
Stablecoins · Ghana
Accept USDT and USDC payments in Ghana
Collect USDT and USDC payments in Ghana through a payment link, hosted checkout or API, using the assets and networks enabled for your account.
Create a business account
Stablecoin payments in Ghana depend on your account, its verification and the assets and networks enabled.
USDT
USDCStablecoin payments
Your prices in local currency.
Your customers pay in USDT or USDC while you price and keep your accounts in GHS. The checkout shows the asset, network, amount and address for each payment, and your merchant workspace tracks its confirmation. Assets, networks and limits depend on your account and its verification.
Exact instructions for every payment
The customer sees the asset, network, amount and address to use. Sending on the wrong network can lose funds.
Confirmation tracking
Fulfil only when the payment shows confirmed in your merchant workspace, never on the strength of a screenshot.
Know the risks
Stablecoins are designed to track the US dollar but can deviate. They carry issuer, market and network risks and are not bank deposits.
How it works
Create your business account
Register your business in Ghana and complete the required verification. Enabled features appear in your workspace.
Create the payment
Generate a link, a checkout or an API payment for the order amount.
The customer pays in stablecoins
The customer sends the exact asset on the stated network to the address shown for that payment.
Reconcile and fulfil
Track the confirmation in your merchant workspace, then process the order.
Taking USDT and USDC payments in Ghana: what to check first
Ghana’s currency is the cedi (GHS), issued by the Bank of Ghana, which took over currency issue in 1958 and introduced cedi notes in 1965. If stablecoin payments are enabled for your account, your customer pays in USDT or USDC, while your business keeps pricing, invoicing and bookkeeping in GHS terms. Decide before you go live how you will record the GHS value of each payment, and apply that method consistently. The points below summarise what Ghanaian authorities have published about virtual assets and how to handle stablecoin receipts with care.
What the Bank of Ghana has said
In its November 2025 policy position, the Bank of Ghana wrote that Ghana has not imposed a ban on virtual assets and is pursuing a risk-based regulatory framework. The same document recalls that the Bank cautioned in 2018 and 2022 that virtual assets are not legal tender. The Virtual Asset Service Providers Act, 2025 (Act 1154) now provides the legal basis for registering, licensing and supervising service providers. Treat stablecoins as a payment option alongside the cedi, not as a replacement for it.
Check whether your own activity needs registration
The Bank of Ghana lists who must register or obtain a licence, including custodial and non-custodial wallet providers, trading platforms and fintech innovators using virtual assets, and says these providers must comply with the Anti-Money Laundering Act, 2020 (Act 1044). In February 2026, the Bank of Ghana and the SEC also directed providers to refrain from mass marketing or public promotional campaigns on virtual assets unless expressly authorised. If you plan to hold assets for others or promote crypto payments publicly, check your position with the Bank of Ghana’s Virtual Assets Department or a qualified adviser first.
Fulfil only on a confirmed payment
The Bank of Ghana’s virtual assets education manual warns that these transactions are usually irreversible and that sending to the wrong wallet address can mean permanent loss. Release goods only when the payment shows as confirmed in your workspace, with the asset, network and amount matching the checkout. A customer’s screenshot is not proof of payment. If you agree to a refund, send it in the same asset and on the same network, to an address the customer confirms, and keep the GHS reference value in your records.
These Bank of Ghana and SEC publications describe Ghana’s currency and its virtual asset framework. They do not establish a ZyndPay licence, partnership, regulatory approval, or availability for your account.
FAQ
Your questions. Answered.
Can a business in Ghana accept USDT with ZyndPay?
If stablecoin payments are enabled for your account after verification, you can create USDT and USDC links, checkouts or API payments. Availability depends on your account and the checks that apply.
Do my customers in Ghana need a ZyndPay account?
No. Customers pay from the wallet of their choice, following the asset, network and address shown on the payment page.
How do I price in GHS?
You keep your prices and accounts in GHS. The stablecoin amount to pay is shown to the customer before payment; check the terms and fees in your workspace before you start.
How do refunds work?
Refund in the same asset and on the same network, to an address the customer confirms. Keep the reference of the original payment.
Are cryptocurrencies legal tender in Ghana?
No. According to the Bank of Ghana’s November 2025 policy position, the Bank cautioned the public in 2018 and 2022 that virtual assets are not legal tender. The same document states that Ghana has not imposed a ban on virtual assets and is instead pursuing a risk-based regulatory framework.
Which law covers virtual asset service providers in Ghana?
The Virtual Asset Service Providers Act, 2025 (Act 1154), which the Bank of Ghana describes as the legal foundation for the registration, licensing and supervision of virtual asset service providers. Check the Bank of Ghana’s Virtual Assets page for the current regulations.