Ghana Mall Payment Policy
Accepted Payment Methods
Ghana Mall accepts the following payment methods:
Digital Payments
- Mobile Money (MTN, Vodafone, AirtelTigo)
- Bank Cards (Visa, Mastercard)
- Ghana Interbank Payment and Settlement Systems (GhIPSS)
- Digital Wallets (ZeePay, G-Money)
Traditional Payment Methods
- Bank Transfer
- Direct Bank Deposit
- Cash on Delivery (subject to eligibility)
Transaction Security
- All digital payments are processed through secure, encrypted platforms
- Ghana Mall implements industry-standard SSL encryption for all transactions
- We comply with the Bank of Ghana's cybersecurity directives and PCI DSS standards
- Customer payment information is never stored on our servers
Payment Terms
Online Purchases
- Full payment is required at the time of order placement
- Orders are not processed until payment confirmation is received
- Payment validation may take up to 1 business day for certain payment methods
Cash on Delivery
- Available for orders under GH₵2,000
- Valid ID required at delivery
- Only exact amount accepted - delivery agents do not carry change
- Service charge of GH₵10 applies
Currency and Pricing
- All prices are listed in Ghana Cedis (GH₵)
- International customers may view prices in USD but will be charged in GH₵
- Exchange rates are updated daily according to Bank of Ghana rates
- Prices include VAT and other applicable taxes
Payment Confirmation
Customers will receive:
- Immediate payment confirmation via email
- SMS notification of successful payment
- Digital receipt for their records
- Transaction reference number
Refunds and Cancellations
Refund Methods
- Refunds will be processed through the original payment method
- Processing time: 3-7 business days for digital payments
- Bank transfers may take 5-10 business days
Cancellation Policy
- Orders can be cancelled before shipping for full refund
- Cancellation fees may apply after shipping initiation
- Partial cancellations available for multiple-item orders
Failed Payments
In case of payment failure:
- Customer will be notified immediately
- Order will be held for 24 hours
- Alternative payment methods can be arranged
- After 24 hours, items will be released back to inventory
Installment Payments
Available for purchases over GH₵5,000:
- Initial deposit of 40% required
- Maximum 3-month payment plan
- Monthly installments processed automatically
- Service charge of 5% applies
Dispute Resolution
For payment disputes:
- Submit claim within 30 days of transaction
- Provide transaction reference number
- Include relevant documentation
- Resolution within 14 business days
Business Account Payments
For registered businesses:
- Credit terms available upon approval
- Net 30 payment terms for qualified accounts
- Bulk purchase discounts available
- Monthly invoicing option
Contact Information
For payment-related inquiries:
- Email: yenzeghanamall@gmail.com
- Phone: +233 593 660 343
- Business Hours: Monday-Friday, 8:00 AM - 5:00 PM GMT
Policy Updates
- The Ghana Enterprises Agency reserves the right to modify this payment policy
- Changes will be communicated via email and website notifications
- Updated policies take effect immediately upon posting
- Existing orders will be processed under the policy in effect at time of purchase
Legal Compliance
This payment policy complies with:
- Bank of Ghana regulations
- Electronic Transactions Act
- Consumer Protection Laws
- Anti-Money Laundering regulations
Last Updated: March 2025
Note: Terms and conditions are subject to change. Please refer to our website for the most current version of this policy.