The verdict in three sentences
In Ghana, a serious online store costs between 8,000 GHS (Starter, 50 products, MTN MoMo via Paystack) and 45,000 GHS (Premium with PWA and multi-currency). The decisive line item is not design but native mobile money checkout: MoMo drives more than 8 of 10 online purchases in Accra. Expect 10 to 30 days to launch depending on the tier, hosting and delivery included.
Price and timeline by tier in 2026
The three tiers cover very different needs: test a market, industrialise sales, or build a national brand. Here is the 2026 order of magnitude for a Ghanaian merchant.
| Tier | Price GHS | Catalogue | Payment | Timeline |
|---|---|---|---|---|
| Starter | 8,000 - 14,000 | 50 products | MTN MoMo + Telecel | 10-14 days |
| Growth | 16,000 - 26,000 | Unlimited | MoMo + card + Paystack | 18-25 days |
| Premium | 32,000 - 45,000 | Unlimited + PWA | 4 providers + loyalty | 25-30 days |
| Maintenance | 400 - 1,600/month | - | Updates | Ongoing |
| Hosting | 200 - 600/month | - | CDN + backup | Ongoing |
The Starter is enough to launch and validate demand. Moving to Growth makes sense once you pass 30-40 orders a month and need promo codes, verified reviews and stock management with alerts.
The real cost: payment, hosting, delivery
Beyond development, three recurring costs eat into margin. Ghanaian mobile money fees sit around 1.95 % local per transaction, intra-Accra delivery costs 20-40 GHS, and inter-city rises fast.
| Item | 2026 cost | Frequency |
|---|---|---|
| Paystack / MoMo fees | ~1.95 % of basket | Per order |
| Accra delivery | 20-40 GHS | Per order |
| Inter-city delivery | 60-120 GHS | Per order |
| .com.gh domain | 250-500 GHS | Yearly |
| Confirmation SMS | 0.05-0.08 GHS/SMS | Per order |
Francophone counterpart: for a merchant in Abidjan (Cote d'Ivoire), the same store is priced in FCFA, with Wave + Orange Money. A Starter runs around 1,000,000 FCFA with mobile money fees near 1.5-2 %. The same codebase serves both markets.
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Mini case study
Kwame, who runs a cosmetics store in East Legon, launches on Starter at 11,000 GHS. He ships 45 orders in month one at an average basket of 320 GHS, or 14,400 GHS in revenue. MoMo fees at 1.95 %: 281 GHS. Partial delivery cost: 600 GHS. His 35 % product margin leaves roughly 5,040 GHS before fixed costs. The site pays for itself in a little over two months.
FAQ
What is the cheapest store in Ghana? The Starter tier begins around 8,000 GHS for 50 products with MTN MoMo and Telecel Cash built in. That is the threshold for a credible store that truly takes payment online.
How fast does my store go live? Expect 10 to 14 days for a Starter, 18 to 25 days for Growth, and up to 30 days for a Premium with a PWA. The timeline depends mostly on how quickly you supply product data and photos.
Is MoMo really essential? Yes: in Accra, more than 80 % of e-commerce payments run through mobile money. Without native MoMo, you lose most buyers.
What about selling in Cote d'Ivoire too? We add Wave + Orange Money to take payment in FCFA, with a local currency and delivery. One codebase handles both markets.
What does annual maintenance cost? Budget 400 to 1,600 GHS per month for maintenance plus 200 to 600 GHS for managed hosting, depending on traffic and active features.
Let's talk about your project. We price your Ghanaian or Ivorian store within 24 hours, timelines and payments included. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.