Ghana 🇬🇭

Send GHS directly to Ghanaian mobile money accounts. This guide walks you through the steps required to initiate and verify a transfer.

Prerequisites

Complete KYC and ensure your account is approved for transactions.
Whitelist your server IP addresses. See this guide for more information.
Enable Transfers via API. See this guide for more information.
Ensure you have sufficient funds in the GHS wallet. For cross-currency transfers, the transfer amount is debited from the debit_currency wallet, while the transfer fee is debited from the GHS wallet. See the supported currencies and transfer fees page for more information.

Payout Flow

Follow these steps to send money to a mobile money account in Ghana.

Collect the beneficiary details
Gather the beneficiary's name, mobile money network, and number.

See the table below for the required and optional parameters.

Parameter	Description	Format	Example	Isrequired
`account_bank`	The beneficiary's mobile money network. Supported values are `AIRTELTIGO`, `MTN`, `TELECEL`, `VODAFONE`.	String	"MTN"	Yes
`account_number`	The beneficiary's mobile money number.	String	"233244435026"	Yes
`beneficiary_name`	The beneficiary's full name.	String	"Godwin Duah"	Yes
`amount`	The amount to send.	Integer	350	Yes
`currency`	The transfer currency. Must be `GHS`.	String	"GHS"	Yes
`debit_currency`	The wallet currency to debit for the transfer.	String	"XOF"	No
`narration`	A description for the transfer.	String	"Ghana Withdrawal"	No
`reference`	A unique reference to identify the transfer.	String	"Your-Unique-Reference"	No

Initiate the transfer
Send a POST request to the transfer endpoint with the beneficiary and transfer details.

curl --request POST \
  --url https://api.flutterwave.com/v3/transfers \
  --header 'Authorization: Bearer {{YOUR_SECRET_KEY}}' \
  --header 'Content-Type: application/json' \
  --data '{
         "amount": 1000,
        "account_bank": "MTN",
        "account_number": "233244435026",
        "currency": "GHS",
        "beneficiary_name": "Godwin Duah",
        "narration": "Ghana withdrawal",    
        "reference": "STkKkrMRFHkkY3_PMCKDU_1"
  }'

{
    "status": "success",
    "message": "Transfer Queued Successfully",
    "data": {
        "id": 2247071,
        "account_number": "233244435026",
        "bank_code": "MTN",
        "full_name": "Godwin Duah",
        "created_at": "2026-10-20T00:48:18.000Z",
        "currency": "GHS",
        "amount": 1000,
        "fee": 15,
        "status": "NEW",
        "reference": "STkKkrMRFHkkY3_PMCKDU_1",
        "meta": [
            {
                "MerchantName": "Dotuns Fashion Limited"
            }
        ],
        "narration": "Ghana withdrawal",
        "complete_message": "",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "MTN Mobile"
    }
}

Verify the transfer status
There are two ways to verify the transfer status:

Call the transfer status endpoint using the transfer ID (data.id) returned in the transfer response.

curl --request GET \
  --location 'https://api.flutterwave.com/v3/transfers/2247071' \
  --header 'Authorization: Bearer {{YOUR_SECRET_KEY}}'

{
    "status": "success",
    "message": "Transfer fetched",
    "data": {
        "id": 2247071,
        "account_number": "233244435026",
        "bank_code": "MTN",
        "full_name": "Godwin Duah",
        "created_at": "2026-10-20T00:48:18.000Z",
        "currency": "GHS",
        "debit_currency": null,
        "amount": 1000,
        "fee": 15,
        "status": "SUCCESSFUL",
        "reference": "STkKkrMRFHkkY3_PMCKDU_1",
        "meta": [
            {}
        ],
        "narration": "Ghana withdrawal",
        "approver": null,
        "complete_message": "Successful",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "MTN Mobile"
    }
}

Listen for webhooks. Configure your webhook URL on the Flutterwave Dashboard to receive real-time transfer updates. See the webhooks guide for more information.

{
  "event": "transfer.completed",
  "event.type": "Transfer",
  "data": {
    "id": 2247071,
    "account_number": "233244435026",
    "bank_name": "MTN Mobile",
    "bank_code": "MTN",
    "fullname": "Godwin Duah",
    "created_at": "2026-10-20T00:48:18.000Z",
    "currency": "GHS",
    "debit_currency": null,
    "amount": 1000,
    "fee": 15,
    "status": "SUCCESSFUL",
    "reference": "STkKkrMRFHkkY3_PMCKDU_1",
    "meta": [
      {
        "MerchantName": "Dotuns Fashion Limited"
      }
    ],
    "narration": "Ghana withdrawal",
    "approver": null,
    "complete_message": "Successful",
    "requires_approval": 0,
    "is_approved": 1
  }
}

Testing Transfers

Check the testing guide for mocking transfers in the test environment.