How Online Payment Fees Work on Posa (Ghana — Paystack)
For businesses in Ghana using Paystack as the payment gateway on your Posa online store. Here is how Paystack’s processing fees and Posa’s plan-based service fee apply to each successful webshop payment.
When customers pay on your Posa online store (webshop) in Ghana through Paystack, fees apply only on successful transactions. These fees are for online webshop payments and do not apply to in-store POS transactions.
Important:
The Posa online payment service fee is based on your current business subscription plan. Paystack’s channel rates and any applicable Ghana tax levies on payment fees are set by Paystack and can differ by payment method. They may be updated—always refer to Paystack’s official pricing and support pages for the latest details.
1. How the money flows on Paystack Ghana
On Paystack Ghana, the merchant (subaccount) bears the gateway fee. This means the customer is not charged a separate transaction surcharge on top of the order—the gateway fee is deducted from the merchant’s settlement instead. The Posa platform share is then taken from the same settled amount via Paystack’s subaccount split.
Paystack (Ghana) — payment gateway
Paystack charges a single processing rate per successful payment, plus any applicable Ghana tax levies on the fee. The rate depends on how your customer pays (mobile money network, local card, or international card).
Typical processing fee by payment method
- Mobile money (MTN, AirtelTigo, Telecel/Vodafone) — a flat percentage per successful transaction
- Local cards issued in Ghana — a flat percentage per successful transaction
- International cards — a higher percentage plus a fixed-fee component, applied to cross-border payments
Paystack publishes the current Ghana rates and any caps on its pricing page (linked in section 4 below). Where applicable, Ghana levies on the fee (NHIL, GETFund and VAT) are passed through and also deducted from the merchant settlement.
Posa online payment service fee (by plan)
Posa’s share is configured as a percentage of each successful webshop payment on the Paystack subaccount. Amounts are in GHS.
| Your Posa plan | Posa fee (Ghana / Paystack) |
|---|---|
| Starter | 2% per successful transaction |
| Plus | 1.5% per successful transaction |
| Premium | 1% per successful transaction |
The Posa fee is taken as a Paystack subaccount split (Paystack percentage_charge) and is calculated on the amount remaining after Paystack’s gateway fee and any tax levies have been deducted from the order total.
2. Worked example (GHS, illustrative)
Below is a step-by-step breakdown for a successful webshop payment in Ghana via Paystack. Exact percentages depend on Paystack’s current published rates for the payment method used; the structure of the flow does not change. Minor rounding can apply.
Order basis
Cart GHS 10.00 subtotal + GHS 0.50 tax → order total GHS 10.50 (totalCost / amount before any gateway deductions).
Step 1 — Customer checkout
Unlike some other Ghana gateways, Paystack on Posa is configured with bearer: 'subaccount'— meaning no transaction surcharge is added on top of the order. The customer pays the order amount as-is.
Amount charged to customer: GHS 10.50.
Step 2 — Paystack gateway fee (merchant-borne)
Paystack deducts its processing fee from the GHS 10.50 charge. For illustration, assume a mobile money rate of ~1.95%: 1.95% × GHS 10.50 ≈ GHS 0.20.
After gateway fee: GHS 10.50 − GHS 0.20 = GHS 10.30.
Step 3 — Ghana tax levies on the fee
Ghana levies on payment fees (NHIL + GETFund + VAT) apply to the gateway fee component. The aggregate effective rate varies; assume roughly ~6% of the GHS 0.20 fee ≈ GHS 0.01 (illustrative, rounded).
Amount settled (before Posa split): GHS 10.30 − GHS 0.01 ≈ GHS 10.29 (amount_settled).
Step 4 — Posa plan split (Premium example)
On Posa Premium, the GHS 10.29 settled amount is split 99% to the vendor subaccount and 1% to Posa as the platform fee.
- Sub-account (vendor): 99% × GHS 10.29 ≈ GHS 10.19
- Posa platform fee: 1% × GHS 10.29 ≈ GHS 0.10
For other plans, the same settled amount is split as: Starter 98% / 2%, Plus 98.5% / 1.5%, Premium 99% / 1% (vendor sub-account / Posa platform fee).
Summary
- Customer paid: GHS 10.50 (no surcharge on top)
- Gateway + levies (deducted from merchant): ~GHS 0.20 + ~GHS 0.01 ≈ GHS 0.21
- Vendor received (sub-account share, Premium): ~GHS 10.19
- Posa platform fee (Premium): ~GHS 0.10
3. Read more from Paystack
Official Paystack Ghana resources:
4. Payout and settlement
- Successful online payments are settled according to Paystack’s Ghana settlement rules
- Funds are typically paid to your linked Ghana payout account on the timeline Paystack 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 via Paystack
- In-store POS charges are separate
- Your Posa webshop fee rate updates automatically if you change subscription plan
- Use your Posa dashboard transaction history for per-order fee breakdowns