How Online Payment Fees Work on Posa (Ghana)
For businesses in Ghana, your Posa online store uses Flutterwave. Here is how processing fees work on successful webshop payments and how they align with your subscription plan.
When customers pay on your Posa online store (webshop) in Ghana, payments are processed by Flutterwave. Fees apply only on successful transactions. These fees are for online webshop payments only and do not apply to in-store POS transactions.
Important:
The Posa online payment service fee is based on your current business subscription plan. Flutterwave’s channel rates, fee line labels, and VAT treatment are set by Flutterwave and can differ by payment method and product configuration. They may be updated—always refer to their official pricing and support pages for the latest details.
1. Fee breakdown per successful payment
Each successful Ghana webshop payment generally includes:
Flutterwave (Ghana) — payment gateway
Flutterwave charges a single processing rate per successful payment. The rate depends on how your customer pays (mobile money network, local card, or international card). The percentages below are alternatives—you are not charged every rate on one transaction.
Processing fee by payment method
- 1.85% when the customer pays with MTN or AirtelTigo mobile money
- 2.2% when they pay with Telecel (Vodafone) mobile money
- 2.3% for local debit or credit cards
- 4.8% for international cards
The worked example in section 2 uses a real successful transaction where Flutterwave’s fee lines matched 2% of the order total for both the customer-paid transaction fee and a merchant-side processing deduction, as shown on the payment dashboard. The percentages above are typical channel rates—your actual fees depend on how the customer pays and Flutterwave’s current rules.
VAT (GHS): 7.5% VAT applies to Flutterwave’s transaction (application) fee—for example, on a GHS 0.21 fee, VAT is GHS 0.04. That VAT is deducted from the merchant’s settlement (it is not an extra line the customer pays on top of the charged amount in the same way as the gateway’s customer-facing transaction fee). It reduces the amount settled to you, consistent with your Flutterwave dashboard.
Posa online payment service fee (by plan)
Posa’s share is configured as a percentage of each successful webshop payment (Flutterwave subaccount split). Amounts are in GHS.
| Your Posa plan | Posa fee (Ghana / Flutterwave) |
|---|---|
| Starter | 2% per successful transaction |
| Plus | 1.5% per successful transaction |
| Premium | 1% per successful transaction |
2. Real example from production (GHS)
Below is a step-by-step breakdown of an actual successful webshop payment (MTN mobile money). Your settlement is calculated by Flutterwave and shown on each transaction; minor rounding can apply.
Flutterwave’s dashboard may label some deductions differently depending on routing or product configuration (for example, a line may appear as “international processing fee” even when the payment method is mobile money). The mechanics here follow the amounts from this successful transaction, not every possible label for every channel.
Order basis
Cart GHS 10.00 subtotal + GHS 0.50 tax → order total GHS 10.50 (totalCost / amount before gateway surcharge).
Step 1 — Customer checkout
Flutterwave adds a transaction fee on the order total. In this case it is 2% of GHS 10.50 = GHS 0.21, paid by the customer on top of the order.
Amount charged: GHS 10.50 + GHS 0.21 = GHS 10.71 (charged_amount).
Step 2 — Merchant fund after gateway processing
A processing fee of GHS 0.21 (here also calculated as 2% of GHS 10.50) is deducted from the merchant’s GHS 10.50 (your settings may differ on who bears similar fees in other setups).
After processing: GHS 10.50 − GHS 0.21 = GHS 10.29.
Step 3 — VAT on the transaction fee
7.5% VAT (Ghana) applies to the GHS 0.21 transaction fee component: 7.5% × GHS 0.21 ≈ GHS 0.04. This is deducted from the merchant settlement.
Amount settled (before Posa split): GHS 10.29 − GHS 0.04 = GHS 10.25 (amount_settled).
Step 4 — Posa plan split (Premium)
This business was on Posa Premium: the GHS 10.25 settled amount is split 99% to the vendor sub-account and 1% to the main (Posa) account.
- Sub-account (vendor): 99% × GHS 10.25 = GHS 10.15
- Main account (Posa platform fee): 1% × GHS 10.25 = GHS 0.10
For other plans, the same settled amount is split as: Starter 98% / 2%, Plus 98.5% / 1.5%, Premium 99% / 1% (sub-account / main).
Summary
- Customer paid: GHS 10.71
- Gateway + tax (illustrative total of fee lines): GHS 0.21 (customer transaction fee) + GHS 0.21 (merchant processing) + GHS 0.04 (VAT) = GHS 0.46 across the flow
- Vendor received (sub-account share): GHS 10.15
- Posa platform fee (main account share): GHS 0.10
3. Read more from Flutterwave
Official Flutterwave Ghana resources:
4. Payout and settlement
- Successful online payments are settled according to Flutterwave’s Ghana settlement rules
- Funds are typically paid to your linked payout account on the timeline Flutterwave displays in your dashboard
- No manual withdrawal is required from Posa for standard settlements
5. Things to know
- These fees apply only to your Posa online store (webshop) in Ghana
- In-store POS charges are separate
- Your Posa webshop fee rate updates if you change subscription plan
- Use your Posa dashboard transaction history for per-order fee breakdowns