MoMo and card checkout. Fees shown per successful sale in GH₵. Instant MoMo. Lower than Selar’s public 5% + GH₵1 on GHS.
Instant MoMo
Available now
GH₵76.70
Per paid order. No extra Zoe withdrawal fee. Ghana Card to send.
Testing
Start hereFree
Launch your first digital product.
GH₵0
3.5% + GH₵0.50 · free forever
Per successful sale in GH₵
Selling
We set this upCreator
Bookings, memberships, and a finished shop.
GH₵99/mo
3.2% + GH₵0.50
Per successful sale in GH₵
Volume
Pro
The percent drops when sales show up.
GH₵199/mo
2.2% + GH₵0.50 · or GH₵1990 / year
Per successful sale in GH₵
Organization
We set this upEnterprise
Your institution, on Zoe rails.
Custom
From 2% · talk to us
Per successful sale in GH₵
Free (3.5% + GH₵0.50 · free forever) and Pro (2.2% + GH₵0.50 · or GH₵1990 / year, GH₵ 199/mo) are live in checkout. Creator and Enterprise use the same MoMo rails. We place those from Studio.
Buyer pays GH₵80 if you absorb the fee. You see GH₵76.70 available on MoMo.
Absorbed by default
The listed price is what the buyer sees unless you pass the fee on that product.
Same engine as checkout
The calculator below is not a brochure number. It runs the same fee code as the live checkout.
Card can wait
Card sales may sit a few days. MoMo is available immediately.
KYC to send
You can sell at tier 0. Withdrawals need a Ghana Card match.
Estimate only. Coupons and shipping change the live total.
Same fee engine as the calculator. Fee absorbed. Open the product if you want to pay it.
Midnight Market
You keep
GH₵42.92
Friday jazz ticket
You keep
GH₵76.70
CV clinic
You keep
GH₵144.25
Selar’s public GHS fee is 5% + GH₵1, then about four days, then a withdrawal. Read Zoe vs Selar.
The same answers as the homepage. Short versions.
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.
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.
You can publish at trust tier 0. Withdrawals need a Ghana Card (tier 1).
Ebooks, files, courses, memberships, tickets, bookings, services, physical goods, and tips. All in GH₵ on MTN, Telecel, AT Money, and cards.
No. Read the factual table on /compare/selar. We do not speak for them. Import tools stay in Studio when you have a CSV.
Zoe Pay, for invited businesses and developers, lives at /zoe-pay. The store uses the same rails. /portal and /dashboard are unchanged.
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.
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.
Free to start. One fee when a buyer pays. Sell before KYC, withdraw to MoMo once your Ghana Card is approved.