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 and VAT on their application fee are set by Flutterwave and 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
VAT (GHS): In addition, 7.5% VAT applies to Flutterwave’s processing (application) fee. That VAT is collected from the customer’s payment together with the fee, which reduces the net amount settled to you—consistent with what you see on each transaction in your 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. Illustrative example (GHS)
Rounding aside, this shows how VAT on Flutterwave’s fee and plan-based Posa fees combine. Your actual settlement is calculated by Flutterwave and shown on each transaction.
Example: Starter plan — 10,000 GHS paid via MTN mobile money
- Customer pays: 10,000.00 GHS
- Flutterwave application fee (illustrative 1.85% for MTN): 185.00 GHS
- VAT on application fee (7.5% of 185 GHS): ~13.88 GHS
- Posa fee (Starter — 2% of order): 200.00 GHS
- Approximate net after these illustrative deductions:~9,601.12 GHS (actual amount depends on Flutterwave’s final fee lines and split rules).
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