Get started with processing Sales

The Hubtel Sales API allows you to sell goods and services online, instore and on mobile. With a single integration, you can accept mobile money and card payments on your application, sell services in-store, online and on mobile as well as process all your sales on your hubtel account.

The Sales APIs are ideal for businesses looking for a quick and easy way to process payments in-store, online and on mobile whilst engaging more with their customers in the process.

The APIs can be used for e-commerce payments, mobile banking, bulk payments, selling digital services and products, accepting donations, and many more.

Sell Online, Instore and On Mobile with Hubtel's Sales APIs

The Sales API is mainly made up of two core APIs

Online Checkout API: Accept mobile wallet and card payments from your website or mobile app on a checkout page.

General Services API: Make your business' programmable service products available and accessible to customers to purchase online, instore and on mobile.

Payment Channels

The Hubtel platform supports three main payment methods. These payment methods are divided into Online payments and In-store payments:

Online, we process
Debit/Credit Cards: Mastercard, Visa, China Union Pay and Amex
Mobile Money on all networks in Ghana (MTN, Vodafone and AirtelTigo)

Instore, we process
Debit/Credit Cards: Mastercard, Visa, GhLink
Mobile Money on all networks in Ghana (MTN, Vodafone, AirtelTigo)


By default, Hubtel fees will be charged to the Merchant. i.e. a customer shopping online at the cost of GHS 20.00, paying with either a mobile money wallet or card, will be debited exactly GHS 20.00. The merchant will however receive the amount less the transaction fee.

If you wish to pass the fees onto the customer, you can request for this by sending an email to [email protected]


We support hourly aggregated settlement for all transactions. This means that mobile money and card transactions on your account will be available for you to sweep out one hour after the payment is received.

Download a Pay Banner

Download and embed any of our wide variety of pay banners for your website, mobile app, newsletters, social media campaign or any of your marketing materials..

Locate Your Hubtel Account Numbers

You can view your Hubtel Account Numbers here

The Account Number to be used for Web Checkout is depicted below.

Get started with processing Sales

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