Ghana
Every Ghanaian wallet, one set of takings
Ghana did something most of the region has not: made mobile money interoperable. MTN MoMo, Telecel Cash and AirtelTigo Money move between each other, and GhQR means one code can take all of them.
That is a genuine advantage at the counter — and it evaporates if your POS still treats each wallet as a separate book to reconcile at the end of the day.
Meanwhile GRA's E-VAT invoicing wants the line detail behind every sale, not a total.
What you get
How Ghana pays
MTN Mobile Money
The largest wallet in Ghana. Recorded against the sale so the MoMo statement and the day's takings agree.
Telecel Cash and AirtelTigo Money
The rest of the market, and interoperable with MTN. All of it lands in one set of takings.
GhQR and card
One code, any wallet — plus card for the hospitality and corporate trade that expects it.
Cash, with change
Still a real share of market and neighbourhood trade, handled in cedis at the till.
E-VAT, and the detail it asks for
GRA's electronic VAT invoicing requires registered businesses to issue invoices carrying the detail of the sale — line items, quantities, unit prices, the tax treatment, and the buyer's details where an invoice is requested. A total is not an invoice.
sell.ke captures every sale at exactly that level, in cedis, against a stock movement — because that is also what margin reporting and stock control require. The data an E-VAT filing needs is a by-product of running the shop properly, not a separate exercise at month end.
sell.ke does not transmit to GRA on your behalf. It holds the itemised record and exports it for the period; the filing stays yours.
- Line-level detail in GHS on every sale, tied to a stock movement
- Buyer details captured at the counter when an invoice is requested
- Period exports of sales and tax detail that reconcile to the drawer
- Per-branch and per-cashier totals for a multi-shop business
What you get
What that means for your shop in Ghana
Interoperability that survives to the books
One code at the counter should mean one number at day end. Every wallet records against the same sale and the same stock count.
Priced and reported in cedis
GHS throughout — prices, stock valuation, margins and day-end totals, with no conversion step.
Accra and regional shops in one account
Per-branch stock and takings, transfers between branches, one dashboard for the owner.
Keeps selling through a network gap
Offline-first till, syncing the backlog in order once the connection returns.
The two things that decide it
The revenue authority and the rail your customers actually pay on, each at the depth they deserve.
The features this leans on
Each one goes deeper than this page does — start with the first.
Selling at the counter
Split payments, held orders, manager-gated discounts and a drawer count that reconciles.
Stock you can trust
Batch and expiry, serial numbers, reorder levels, stock takes and the formulas behind them.
Reports and real accounting
Double-entry books — trial balance, P&L, balance sheet — not a CSV export to somebody else's software.
Branches, staff and control
Shared catalogue, separate stock, transfers that are movements, and permissions per branch.
Questions
Questions from Ghana
Does sell.ke work with mobile money in Ghana?
Yes — MTN MoMo, Telecel Cash and AirtelTigo Money are all recorded against the sale at the counter. Because Ghana's wallets are interoperable, the value is in the reconciliation: one set of day-end takings against one stock count, not three statements matched by hand.
Does sell.ke handle GRA E-VAT invoicing?
sell.ke does not transmit to GRA on your behalf. It captures every sale at the line-item detail E-VAT invoicing is built around — items, quantities, unit prices, tax treatment, buyer details where given — in cedis, and exports it for the period, so filing draws on data you already hold.
Is sell.ke priced in Ghana cedis?
Your shop runs in GHS: prices, stock values, margins and reports. Subscription billing is quoted in KES; ask the team about settlement in cedis.
Can I run shops in Accra and outside it from one account?
Yes. Each branch keeps its own stock and takings, you can transfer stock between them, and the owner sees every branch in one place.
Can I use it for more than one shop?
Yes. Branches share one product catalogue but hold their own stock, so a transfer between them is a recorded movement rather than a re-count. Reports run per branch or across all of them, and staff permissions are set per branch — a Kisumu supervisor does not need to see Nairobi's margins.
Do I need internet?
Not to keep selling. Offline mode lets the till take sales, print receipts and reserve stock while the connection is down, then syncs everything when it returns. You do need connectivity for the parts that are inherently online: an M-Pesa STK push, an eTIMS submission and the online shop all need a live link.
What does it cost?
Plans run from USD 12/month for a single-location till to USD 115/month for unlimited scale, with the online store on your own domain included from USD 23/month. In Kenya the same plans are KES 1,499 to KES 14,999/month, billed in shillings. Every plan starts with a 14-day trial and no card, and there is no per-terminal licence and no commission on your sales. There is no hardware to buy either — sell.ke runs on a phone, tablet or laptop you already own.
Try it in your Ghana shop
Fourteen days, no card, no hardware to buy. Your prices, stock and reports all run in GHS.