Ghana’s society is primarily cash-based, with limited adoption of payment cards due to a high unbanked population of about 54%.

Debit cards are the preferred card payment method, mainly used for ATM cash withdrawals. However, e-money and mobile money services are gaining popularity due to their greater accessibility compared to traditional payment cards.

The e-zwich card, a national biometric prepaid smart card, utilizes fingerprint recognition at ATMs and point-of-sale (POS) terminals across the country. Since October 2014, public sector workers have received their payments through the e-zwich card.

Android’s Mobile Money app is the most popular mobile payment app. Almost 45% of Ghana’s population has a Mobile Money account.