What does a sale cost?

Free plan is 3.5% + GH₵0.50 per paid order. Pro is 2.2% + GH₵0.50 plus GH₵199 / month. The calculator uses the same fee engine as checkout.

MoMo sales are available immediately. We send the payout as soon as your Ghana Card is approved. Not in four days. Card sales may wait a few days. You can sell before KYC; money sits in the wallet until then.

Do I need KYC to sell?

You can publish at trust tier 0. Withdrawals need a Ghana Card (tier 1).

Ebooks, files, courses, memberships, tickets, bookings, services, physical goods, and tips. All in GH₵ on MTN, Telecel, AT Money, and cards.

No. Read the factual table on /compare/selar. We do not speak for them. Import tools stay in Studio when you have a CSV.

Where is the payment API?

Zoe Pay, for invited businesses and developers, lives at /zoe-pay. The store uses the same rails. /portal and /dashboard are unchanged.

Listed prices are the GH₵ the buyer sees unless you pass the fee. GRA VAT on your own books is on you. We are not your tax adviser. Export a CSV from Studio for your accountant.

You or Control can approve a refund. An operator marks the MoMo return. A full refund revokes access. We do not invent a reversal API.

ZoePay

Sell anything. Get paid instantly.

A GH₵ 80 sale leaves GH₵ 76.70 in your wallet today. MoMo at checkout. No four-day hold, no extra GH₵ 7 to withdraw.

Get started for free /@ama-books · Midnight MarketOpen a live shop

GH₵ 45.00

Midnight Market

/@ama-books · MoMo · available now

Pay with

MTN MoMo
Telecel Cash
AT Money
Visa
Mastercard

Business tools

Take charge of your sales with a store, invoices, and slots, built and tailored to how you get paid in GH₵.

StorefrontInvoicingBookings

Storefront

Create a store that turns a story tap into a GH₵ sale. Anyone on MoMo. Anytime.

Create storefront

Midnight Market

GH₵ 45.00

/@ama-books · Midnight Market paid

GH₵ 45 · MoMo

Payment complete

Processed

Invoicing

Send a GH₵ invoice from the portal. They pay with MoMo. Same rails as the store. By invitation.

Create invoice

Invoice sent

GH₵ · portal · MoMo

Paid from the link

Same rails as the store

Invoice paid

Available today

Bookings

Weekday slots on your handle. They pick a time, pay, and get the confirm. No Calendly bill.

Create booking

Booking confirmed

Thursday · after MoMo

CV clinic · /@kojo-coaches

GH₵ 150.00

Payment complete

Processed

Creators tools

Elevate your brand. Get paid on MoMo. Create, share, and sell from one /@handle. Track it in one wallet.

Link in BioCourses

Link in Bio

One /@handle for Instagram. A stack of products, not another page builder. No code.

Create Link in Bio

/@ama-books

Theme

Dawn, Ink, Market, Coast, Kente.

Gift / tip

MoMo on the same checkout.

Courses

Drip by day or date. Quizzes, assignments, a verify link for certificates. Sell to anyone on MoMo.

Create a course

Saturday writing circle

GH₵ 249.00 · /@ama-books

Lesson unlocked

Drip by day or date.

Certificate

A verify link after they finish.

Billing OS

Secure, flexible, and reliable GH₵ payments made simple so you can focus on the work, not the hold.

SubscriptionsCheckoutPayment LinksPayment API

Subscriptions

Paid or free membership tiers. A public teaser, then a gated space after MoMo. Recurring in GH₵.

Create Subscriptions

GH₵

Monthly

Active

PPaid tier
FFree teaser

Checkout

Embed or share a Zoe checkout. MTN, Telecel, AT Money, Visa, Mastercard. Buyer pays in GH₵.

Create checkout

Pay with MoMo

MTN · Telecel · AT Money

GH₵ 76.70 kept

On an GH₵ 80 Free sale.

Payment complete

Processed

Payment Links

A one-off link for a unique offer. Share it. Get paid. No extra tool.

Create a payment link

Link is live

zoe.pay/@ama-books

Midnight Market

GH₵ 45.00

Payment complete

Processed

Payment API

Collect GH₵ on any site you build. Same MoMo rails as the store. By invitation. /portal and /dashboard stay as they are.

Request access

POST /api/v1/payments

GHS · GH₵ 60.00

Invite only

New API keys from Control.

Payment complete

Same rails as the store

/@ama-books · Midnight Market paid
/@kojo-coaches · CV clinic paid
/@grace-chapel · Easter seat paid
GH₵ 76.70 available · same day

No matter where the buyer taps from, Zoe makes it easy to showcase the /@handle and get paid on MoMo.

Zoe Pay

One payment API for every site you build.

By invitation. Collect GH₵ on any site. The same MoMo and cards as the store.

Request API access Read the API

/portal and /dashboard stay as they are.

POST /api/v1/payments

{
  "amount": 6000,
  "currency": "GHS"
}

Coming from Selar

Tonight, not Thursday.

Same 125 sales at GH₵ 80. GH₵ 10,000.00 through the till. You keep more, and MoMo is in the wallet the same day.

Selar

You keep

9,375.00

In 4 days

Fee: 5% + GH₵1
Withdraw: Extra GH₵7 to withdraw

Zoe

You keep

9,587.50

Today

Fee: 3.5% + GH₵0.50
Withdraw: No extra GH₵7

You keep more · same month · no four-day hold

+212.50

Public Selar GHS 5% + GH₵1. Zoe Free 3.5% + GH₵0.50.

See the full table

First sale

Four moves. Then MoMo hits the wallet.

Handle, product, checkout, Ghana Card. No lead magnet. No fourth tool to install.

Get the store live →

01
Create your /@handle
Sign up with a Ghana number. Your store is a link for Instagram.
02
Publish a product
Ebook, course, ticket, or slot. Buyers pay in GH₵.
03
Share the checkout
They approve MoMo. Access lands in /me.
04
Send after Ghana Card
MoMo is available immediately. KYC to withdraw. Not a four-day hold.

Plans

A plan for wherever you are.

Four plans. Each month and percent under Skillspad. Every tier includes a storefront, MoMo checkout, and payouts.

Testing → Free · Volume → Pro

Testing
Free
Launch your first digital product.
GH₵ 0
3.5% + GH₵0.50 · free forever
Per successful sale in GH₵
EbooksCoursesTickets
Products
Unlimited
Courses
3
Files
5 GB
Seats
3
- ✓ Store + bio on one /@handle
- ✓ MoMo and cards at hosted checkout
- ✓ Instant payout after Ghana Card. No extra GH₵7
- ✓ 200 messages / month · 5 video hours · 2 automations
Start freeSee everything on Free →
Most popular
Selling
Creator
Bookings, memberships, and a finished shop.
GH₵ 99/mo
3.2% + GH₵0.50
Per successful sale in GH₵
Everything on FreeBookingsMemberships
Bookings
Yes
Memberships
Yes
Community
Yes
Giving
Yes
- ✓ Everything on Free, plus slots, members, and gifts
- ✓ Community on the same /@handle
- ✓ Same-day MoMo wallet
- ✓ We place this rung from Studio. Not self-serve yet
Start freeSee everything on Creator →
Volume
Pro
The percent drops when sales show up.
GH₵ 199/mo
2.2% + GH₵0.50 · or GH₵1990 / year
Per successful sale in GH₵
Everything on CreatorCustom domainUnbranded
Products
Unlimited
Courses
Unlimited
Files
50 GB
Seats
10
- ✓ Custom domain, no Zoe mark on the store
- ✓ Unlimited courses and automations
- ✓ 2,000 messages / month · 50 video hours
- ✓ Affiliate marketplace and 200 AI credits
- ✓ Live in checkout today
See pricingSee everything on Pro →
Organization
Enterprise
Your institution, on Zoe rails.
Custom
From 2% · talk to us
Per successful sale in GH₵
Everything on ProAPI
API
Yes
Fee
From 2%
Seats
Contract
Limits
Custom
- ✓ Zoe Pay API for sites you already run
- ✓ Contract take. Not a brochure 1%
- ✓ Higher seats and file limits on paper
- ✓ /portal and /dashboard stay as they are
Contact usSee everything on Enterprise →

Free (3.5% + GH₵0.50 · free forever) and Pro (2.2% + GH₵0.50 · or GH₵1990 / year, GH₵ 199/mo) are live in checkout. Creator and Enterprise use the same MoMo rails. We place those from Studio.

Integrations

Works with the rails buyers already have.

MTN, Telecel, AT Money, Visa, and Mastercard. The same checkout as the store.

MTN MoMo
Telecel Cash
AT Money
Visa
Mastercard

Join 1,200 on the waitlist

Showcase the work. Get paid on MoMo. Sell from one /@handle, send a portal invoice, run a membership, and track it all in one wallet. Free to start. One fee when a buyer pays.

Get Started