The verdict in three sentences
An e-commerce website in Accra in 2026 costs between 17,000 GHS (Starter, 50 products) and 60,000 GHS (Premium, PWA + loyalty), i.e. 3 to 4 times more than a simple brochure site. The difference comes from the transactional layer: Mobile Money + card integration, stock management, delivery calculation and an order dashboard. Also plan for monthly maintenance of 1,300 to 4,200 GHS, because a selling store must stay available 24/7.
The 2026 e-commerce pricing grid
Three tiers cover most needs, with the Abidjan FCFA equivalent (2026 order of magnitude, 100 FCFA ≈ 1.7 GHS).
| Tier | Products | Payments | Delivery | Accra price (GHS) | Abidjan price (FCFA) |
|---|---|---|---|---|---|
| Starter | 50 | MoMo (MTN) | 3-4 wks | 17,000 | 1,000,000 |
| Growth | Unlimited | + Stripe, promos, reviews | 5-6 wks | 34,000 | 2,000,000 |
| Premium | Unlimited | + Multi-currency | 7-9 wks | 60,000 | 4,000,000 |
| Custom | Unlimited | ERP/courier integrations | 10 wks+ | 85,000+ | 5,000,000+ |
The Growth is the most common choice: unlimited catalogue, promo codes, verified customer reviews and Stripe for your international customers.
What each tier really changes
Beyond price, here are the features that win (or lose) sales.
| Feature | Starter | Growth | Premium |
|---|---|---|---|
| Mobile money payment | MoMo | + Stripe | + Multi-currency |
| Stock management | Manual | Auto alerts | Multi-warehouse |
| Mobile app (PWA) | No | No | Yes |
| Loyalty program | No | No | Yes |
| Recommended maintenance/mo | 1,300 | 2,500 | 4,200 |
A PWA (Premium) lets customers install your store like an app: it lifts the repeat-purchase rate by 20 to 30% in observed cases.
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Mini case study
Ibrahim, a fashion designer in Accra (Osu), launches a Growth store at 34,000 GHS with MoMo and Stripe. In his first quarter he handles 90 orders/month at an average basket of 600 GHS, i.e. 54,000 GHS/month in sales. MoMo fees (~1.5%) cost him about 810 GHS/month and maintenance 2,500 GHS/month. His store is profitable from the first full month, with the build cost recovered in under 4 weeks of net sales.
FAQ
Why does e-commerce cost more than a brochure site? Because you must build and secure payments, stock management, the cart, the checkout funnel and an admin dashboard. It is transactional software, not a simple presentation.
Which payment methods are integrated? From the Starter, Mobile Money (dominant in Ghana). The Growth adds Stripe (international cards) and the Premium adds multi-currency GHS/EUR/USD.
How much are transaction fees? Expect about 1.5% per MoMo payment and 1.5 to 2.5% for cards via Stripe. These fees go to the operators, not the agency.
Is a monthly subscription required? Yes, maintenance is strongly recommended (1,300 to 4,200 GHS/month): it covers security, backups, stock updates and 24/7 availability.
Can I start small and grow? Absolutely. Many launch a Starter at 17,000 GHS then migrate to the Growth once catalogue and sales grow, without rebuilding everything.
Let's talk about your project. We price your store based on your catalogue and payment methods, quote within 24 hours. 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.
