Sell anything.
Get paid instantly.

Ebooks, courses, tickets, coaching and memberships. Your buyers approve one MoMo prompt, we deliver on WhatsApp, and the money lands in your wallet.

  • Free plan, no monthly fee
  • Sell before KYC
  • Withdraw to MoMo
Midnight MarketAma Boateng Books
Midnight Market
GH₵45.00Pay with MoMo
Paid with MoMo

Buyers pay with MTN MoMo, Telecel Cash, AT Money or card.

Paid to MoMo the moment you're verified.

Sell before you finish KYC. Once your Ghana Card is approved, MoMo sales go to your wallet and out to your number.

3.5% + GH₵0.50
Per paid order on Free. No monthly fee. The percent drops on Pro to 2.2% + GH₵0.50.
GH₵0
Zoe withdrawal fee. Your money is yours, so moving it to MoMo costs nothing extra.
Every hold
Comes with a reason, a release date and an appeal. How holds work

If I sell for

Who pays the fee

Buyer pays
GH₵60.00
Zoe fee (3.5% + GH₵0.50)
−GH₵2.60
Withdrawal fee
GH₵0.00

You receive

GH₵57.40

In your wallet when the sale clears. Out to MoMo after Ghana Card KYC.

This is what your buyers see.

One page, phone first, and it works inside Instagram and TikTok. No account, no app, no screenshot of a transfer.

  1. Ama Boateng Books

    Secure checkout

    Midnight Market

    Ebook · delivered instantly

    GH₵45

    Phone number

    +23324 123 4567MTN

    We'll send your ebook here on WhatsApp

    Full name

    Ama Owusu
    Total · fees shownGH₵47.08
    Pay GH₵47.08

    1Enter a phone number

    Works inside Instagram and TikTok browsers.

  2. MTN

    MoMo

    Pay GHS 47.08 to ZOE*AMA BOATENG.
    Enter MM PIN to confirm:

    CancelSend

    2Approve the MoMo prompt

    One PIN. No card, no transfer screenshot.

  3. Zoe receipts

    Business account

    Today

    Hi Ama, payment of GH₵47.08 received. Order ZO-1042.

    10:42

    Your purchase is ready

    Midnight Market, stamped with your name.

    Open my library

    View receipt

    3Delivered on WhatsApp

    Receipt and access link in seconds.

Demo store screens. The fee on top is the Free plan rate when the buyer pays it.

Holds are never silent

If money is held, the creator sees why, until when, and how to appeal.

Refunds revoke access

A full refund closes the download or course, so the record matches the money.

A library for every buyer

Buyers reopen what they paid for from /me, on any phone, with a code.

Tools that bring the second sale.

Affiliates

Demo data
Affiliate sales · 30 daysGH₵8,640.00
Commission owedGH₵1,728.00
Orders with a code127
AffiliateCodeSalesEarned
KAKwame A.kwame62GH₵744.00
NBNaa B.naareads41GH₵492.00
YOYaw O.yawtalks24GH₵288.00

A ?ref= code on any product link. Commission comes out of your side, never added to the buyer's price. More on marketing tools

Start free. Pay less as you grow.

Pro pays for itself once you sell about GH₵15,400 a month. Below that, stay on Free.

Free

Start here

GH₵0

3.5% + GH₵0.50 · free forever

Start free

Creator

By invite

GH₵99/mo

3.2% + GH₵0.50

Compare plans

Pro

GH₵199/mo

2.2% + GH₵0.50 · or GH₵1990 / year

Compare plans

Questions creators ask first.

Fees, payouts, KYC and the API. The short versions, from the same rules checkout uses.

What does a sale cost?

Free plan is 3.5% + GH₵0.50 per paid order. Pro is 2.2% + GH₵0.50 plus GH₵199 / month. The calculator uses the same fee engine as checkout.

When do I get paid?

MoMo sales are available immediately. We send the payout as soon as your Ghana Card is approved. Not in four days. Card sales may wait a few days. You can sell before KYC; money sits in the wallet until then.

Do I need KYC to sell?

You can publish at trust tier 0. Withdrawals need a Ghana Card (tier 1).

What can I sell?

Ebooks, files, courses, memberships, tickets, bookings, services, physical goods, and tips. All in GH₵ on MTN, Telecel, AT Money, and cards.

Is this Selar?

No. Read the factual table on /compare/selar. We do not speak for them. Import tools stay in Studio when you have a CSV.

Where is the payment API?

Zoe Pay, for invited businesses and developers, lives at /zoe-pay. The store uses the same rails. /portal and /dashboard are unchanged.

Do you add VAT?

Listed prices are the GH₵ the buyer sees unless you pass the fee. GRA VAT on your own books is on you. We are not your tax adviser. Export a CSV from Studio for your accountant.

How do refunds work?

You or Control can approve a refund. An operator marks the MoMo return. A full refund revokes access. We do not invent a reversal API.

Your store can be live today.

Free to start. One fee when a buyer pays. Sell before KYC, withdraw to MoMo once your Ghana Card is approved.