The verdict in three sentences
An online store in Accra costs 1,000,000 FCFA at Starter, 2,000,000 FCFA at Growth, 4,000,000 FCFA at Premium (prices anchored to the West African market, EUR for reference). With MTN MoMo around 1% and Telecel Cash collections, mobile money remains the king channel. The smart play: start on Starter, validate demand, then upgrade when revenue justifies it.
The Ghanaian 2026 price grid
Prices align with the West African market. What changes in Ghana is the local payment mix.
| Tier | Price FCFA | Price EUR | Catalog | Payments | Timeline |
|---|---|---|---|---|---|
| Starter | 1,000,000 | 1,525 € | 50 products | MTN MoMo + Telecel | 2 wk |
| Growth | 2,000,000 | 3,050 € | Unlimited | + Stripe + cards | 3 wk |
| Premium | 4,000,000 | 6,100 € | Unlimited | All + multi-currency | 4 wk |
Moving between tiers requires no rebuild: you add modules. That is why starting on Starter is never wasted money.
Payment and delivery fees in Accra
Cost per order goes beyond the platform. Here are the real 2026 items.
| Item | 2026 cost |
|---|---|
| MTN MoMo Collections | ~1 % of amount |
| Telecel Cash Collections | ~1 % of amount |
| Intra-Accra delivery | 1,000 - 2,500 FCFA |
| Average mobile conversion | 1.8 - 3.2 % |
| Stripe fees (international) | ~2.9 % + fixed |
A seller who delivers at 1,500 FCFA and sells at 15,000 FCFA keeps a healthy margin if product cost is controlled. Local mobile money stays 2 to 3 times cheaper than an international card.
12-month ROI: the reasoning
Here is a conservative projection for a Starter in Accra.
| Metric | 2026 estimate |
|---|---|
| Initial build | 1,000,000 FCFA |
| Annual recurring (min) | 900,000 FCFA |
| Orders/month (average) | 40 |
| Average basket | 15,000 FCFA |
| Monthly revenue | 600,000 FCFA |
| Build break-even | ~5-6 months |
These figures are a 2026 order of magnitude: they depend on your traffic and margin. But the logic holds: at 40 orders/month, Starter pays back in half a year.
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Mini case study
Kwame, a textile seller in Accra, launches his store on Starter (1,000,000 FCFA). Month 1: 22 orders. Month 4: 41 orders at 16,000 FCFA, or 656,000 FCFA revenue. MoMo fees ~1 % = 6,560 FCFA. Recurring = 75,000 FCFA/month. He recovers his build by month 6. By month 10, he adds Stripe for his diaspora customers and moves to Growth.
FAQ
Why start on Starter rather than Growth?
Because you validate demand before investing. Starter at 1,000,000 FCFA covers 50 products and mobile money. You upgrade when catalog or traffic demands it.
Are MTN MoMo and Telecel Cash both integrated?
Yes, from Starter. Both gateways cover most payments in Ghana, with automatic order confirmation.
What is the go-live timeline?
Expect 2 to 4 weeks depending on tier, assuming you deliver visuals and product sheets quickly.
How much is the Starter-to-Growth upgrade?
Roughly the difference, ~1,000,000 FCFA, in 7 to 10 days. No data or orders are lost.
Is delivery handled by the platform?
Delivery fee calculation is automated from Growth. On Starter, you define fixed zone rates (1,000 to 2,500 FCFA intra-Accra).
Let's talk about your project. We calculate your Accra e-commerce ROI and the right starting tier. 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.
