Best freelance, gig and earning platforms in Ghana
Bolt runs ride-hailing in Ghana and signs up drivers through its app, Jiji operates a classifieds marketplace in Ghana, and Jumia lets businesses sell online. ShaQ Express, a Ghanaian courier with a mixed electric and conventional fleet, delivers across all 16 regions and hires riders, and Zindi runs data science competitions that have awarded more than $1 million in prizes.
Before you start
What works in Ghana, and how the money gets to you
Earnings are in cedis (GHS), and MTN mobile money wallets can receive transfers from abroad through services such as Xoom. PayPal access is limited: in August 2025 the government said it had formally reopened engagement with PayPal to restore full access for Ghanaian users. Alternatives include Payoneer, which Upwork and Fiverr both support, plus Grey and Chipper Cash, which both serve Ghana. Tip: the E-Levy on electronic and mobile money transfers was repealed in April 2025, so moving money between wallets and bank accounts no longer carries that tax.
How these platforms pay out Bank transfer · 9Mobile money · 3
The 14 local platforms
Grouped by the kind of work, with what each one takes
Payment receiving platforms5
Chipper CashSince 2018
A pan-African app for sending and receiving money across borders and locally.
0% Bank transfer
GreySince 2020
Virtual USD, GBP, and EUR accounts for African freelancers - receive international payments and convert to loc…
0% Bank transfer
MTN MoMoSince 2009
MTN mobile-money service across many African markets for receiving and sending money.
0.5–2% Agent cash-out
HubtelSince 2005
Open an online store with mobile-money checkout to sell food, groceries, and goods.
2% Settlement to bank or mo…
ExpressPaySince 2012
Collect payments via cards and all mobile-money networks.
1.5–2.5% Mobile money
Marketplaces2
More platforms7
BoltSince 2013
A European mobility platform offering ride-hailing, scooters, and food delivery across 45+ countries. Drivers…
15–20% Bank transfer
JumiaSince 2012
Africa largest e-commerce marketplace, selling across Nigeria, Egypt, Morocco, Kenya, and more, with open sell…
5–20% Bank transfer (local)
PaystackSince 2015
The Stripe-owned processor built for Africa - Nigerian, Ghanaian, South African, and Kenyan businesses accept…
from 1.5% Bank transfer
ZindiSince 2018
Africa data science competition platform, connecting African data scientists with paid challenges from compani…
0% Bank transfer
Jobberman GhanaSince 2012
Create a profile and apply to verified employer listings in Ghana.
0%
ShaQ ExpressSince 2020
Join the rider and driver network to earn on deliveries across Ghana.
Riders paid per delivery
TuteriaSince 2015
Register, get matched to students, and get paid after lessons (West Africa).
You keep 65-85% of each bo… Paga
Compare them in a table
| Platform | Type | Platform's cut | Pays via | Founded |
|---|---|---|---|---|
|
Bolt
|
Mobility company | 15–20% | Bank transfer | 2013 |
|
Chipper Cash
|
Money transfer app | 0% | Bank transfer +1 | 2018 |
|
Grey
|
Payment platform | 0% | Bank transfer +1 | 2020 |
Jiji
|
Classifieds marketplace | 0% | Direct payment from buyers | 2014 |
|
Jumia
|
Online marketplace | 5–20% | Bank transfer (local) | 2012 |
|
MTN MoMo
|
Mobile money | 0.5–2% | Agent cash-out +2 | 2009 |
|
Paystack
|
Payment processor | from 1.5% | Bank transfer | 2015 |
|
Zindi
|
Data science competitions | 0% | Bank transfer +1 | 2018 |
Tonaton
|
Classifieds marketplace | 0% | Cash in person / direct ar… | 2013 |
|
Jobberman Ghana
|
Job board | 0% | — | 2012 |
|
ShaQ Express
|
Courier and logistics | Riders paid per delivery | — | 2020 |
|
Hubtel
|
Payments and wallet | 2% | Settlement to bank or mobi… | 2005 |
|
ExpressPay
|
Payments and wallet | 1.5–2.5% | Mobile money +1 | 2012 |
|
Tuteria
|
Tutoring platform | You keep 65-85% of each booking. T… | Paga | 2015 |
Ghana at a glance
- Capital
- Accra
- Currency
- Ghanaian cedi GHS · ₵
- Languages
- English
- Time
- UTC+00:00 (Accra)9am in New York is 1pm here, 9am in London is 9am
- Calling code
- +233for SMS sign-up checks
- Region
- Western Africa238,533 km²
- Borders
- Burkina Faso, Ivory Coast, Togo
Country facts from the open world-countries dataset (ODbL); map shapes from Natural Earth. Highlighted neighbours have their own page here.
People and the online economy in Ghana
- About 25.3 million people in Ghana use the internet (72% of the population).
- 61% of people are of working age (15 to 64), and a large young generation (35% under 15) is coming up behind them.
- Most adults (81%) have a bank or mobile-money account, so a local payout is usually within reach.
- GDP per person is about $3,257 a year, so pay in US dollars or euros from global platforms can go a long way.
Source: World Bank Open Data (CC BY 4.0), the most recent year available for each figure, retrieved October 29, 2026. Each year links to the source series.
How to get paid in Ghana
Payment services whose official country lists include Ghana. Check that the platform you join pays out to at least one of them, or to a local bank.
Lemon SqueezyStore activation needs a questionnaire and ID check (about 2-3 business days), payouts go by bank in listed countries or by PayPal elsewhere.
PaystackYou'll need: A bank account
Unregistered Starter Businesses are allowed except in Egypt but have a lifetime collection limit. Nigerians need a BVN.
MTN MoMoMTN lists these markets but MoMo rules, fees and limits are set by each local MTN company, so check your country's MTN site.
Chipper CashYou'll need: A smartphone
USD account for Upwork, Fiverr and Deel payouts is only for verified Nigerians and Ghanaians, deposits can be held up to 3 days for review.
ExpressPayGhana payment service mainly for merchants and bill payments, ID verification required and account limits follow Bank of Ghana rules.
FlutterwaveYou'll need: A bank account
Unregistered Starter or Individual accounts are allowed. Nigerians need a BVN and NIN.
HubtelHubtel now markets itself as a payments and management platform for businesses in Ghana, not a personal wallet for freelancers.
GreyGives USD, GBP and EUR receiving accounts for foreign clients and platforms like Upwork, Deel and Payoneer, payments from sanctioned countries fail.
PaddleFor software and digital products only, individuals can sell, and payouts go monthly by wire or Payoneer once you reach $100.
Not available for receiving money in Ghana: PayPal, NayaPay, Airtel Money, bKash, CIH Bank, Mercado Pago, M-Pesa, PayPay, Paytm, Mollie, SadaPay, Stripe, Razorpay, Bancontact Pay, PicPay, Tikkie, Paymob, Midtrans, MoMo, OPay, PayMongo, AlipayHK, ChapChap, Nequi, Tenpo, TrueMoney, Yoco, dLocal, Easypaisa, Khalti, Telebirr, GCash, CashPlus, Fawry, JazzCash, Revolut, Xendit, Zalopay, Monobank, Square, Yape, Cash App, Maya, Vipps, Wave, Daviplata, Toss, Uala, Wise.
Global platforms that accept people in Ghana
Each one's official sign-up or terms pages list the countries it accepts, and Ghana is on the list. Check them against your age and what you have →
Tutoring platforms 8
SuperprofFree to publish an ad with no commission, students pay you directly, but you must win your own students from profile views.
PreplyYou'll need: A computer, A webcam, A headset
Must be 18. Not open to residents of Iran, Sudan, Cuba, Syria, North Korea, Crimea, Russia, or Belarus. Profile review within 3 business days.
SkooliYou'll need: A computer, A webcam, A headset, Good English, A degree or professional licence, A teaching certificate, A background check, A PayPal account
Needs a bachelor's plus teaching certification or ESL qualification, or a master's or PhD, plus a clear national criminal background check.
CamblyYou'll need: A computer, A webcam, Native-level language skills, Good English
No degree or certificate needed but tutors must be native English speakers and cannot tutor from California, Massachusetts or New Jersey.
ClassgapYou'll need: A computer
Register with name and email, fill in a profile questionnaire, and Classgap's team validates it before the profile goes public.
EngooYou'll need: A computer, A webcam, A headset, Good English
Excellent English, quiet home workspace and internet of at least 1 Mbps, hiring includes an online interview.
NativeCampYou'll need: A computer, A webcam, A headset, Good English, A skills test
Needs 2 Mbps internet and Chrome or Edge, an English test, AI speaking test, self-study program and online demo lesson with admins.
VerblingYou'll need: A computer, A webcam, A headset
C2 level in the language plus prior teaching experience with proof, teaching certificate preferred, applications reviewed within 2 weeks.
Freelance sites 7
Arc.devYou'll need: Good English, A skills test
Vetted talent pass profile screening, English communication assessment and a role-specific technical interview.
UpworkYou'll need: A computer
You need a verified ID, an approved profile and a tax form (W-8BEN outside the US) before withdrawing. Crimea, Donetsk and Luhansk are also restricted.
FiverrYou'll need: A computer
Fiverr can ask any seller for a government ID to confirm you are 18+, and PayPal withdrawals arrive in about 24 hours with a $1 minimum.
ToptalYou'll need: A computer, Good English, A skills test
Fewer than 3 percent pass the English interview, skills tests, live screening and 1-3 week test project.
GuruYou'll need: A computer
Free Basic plan gives 10 bids a month with a 9 percent job fee, paid plans from $11.95/mo add bids and lower fees.
PeoplePerHourYou'll need: A computer
Profiles are reviewed within 2 business days and new earnings clear 14 days after the invoice is approved.
FreelancerYou'll need: A computer
Identity verification is required before withdrawing, and your first withdrawal can be held up to 15 days.
Music distribution platforms 4
AmuseThere is no free plan now, the cheapest Artist plan costs $23.99 a year.
CD BabyOne-time $9.99 per single or $14.99 per album, payout within 15 business days of hitting your $25 default threshold, W-9 or W-8 required.
DistroKidAges 13-17 need parent or guardian consent, and you pay the annual fee by credit card.
TuneCoreAges 13-17 need parent consent, artists outside the US sign with Believe International instead of TuneCore.
Ride platforms 3
inDriveYou'll need: A smartphone, A car, A driver's licence
Operates in about 48 countries, and drivers can counter the passenger's offered fare in the app.
BoltYou'll need: A smartphone, A car, A driver's licence
Phone must run Android 9 or iOS 16 or newer, and Bolt partners can rent you a car if you do not own one.
UberYou'll need: A smartphone, A car, A driver's licence, Vehicle insurance, A background check
US drivers must meet the local minimum age and need 1 year of US driving experience (3 years if under 25).
Template marketplaces 3
Notion MarketplaceYou apply and join a waitlist that can take a few months. After approval you onboard with Stripe, and each template is reviewed.
CodeCanyonOfficial Envato author help blocked automated reading (HTTP 403) so eligibility could not be verified.
ThemeForestOfficial Envato author help blocked automated reading (HTTP 403) so eligibility could not be verified.
Mentorship platforms 3
IntroExperts must be over 18 and apply for approval. You must not be in a sanctioned country.
Clarity.fmExpert applications are reviewed on background, demand and profile completeness, and Clarity keeps a 15% fee on every call.
ADPListMentoring is unpaid volunteer work, applicants need 5+ years of industry experience and only about 30% are approved.
Passive income apps 3
EarnAppYou must be of legal age where you live. EarnApp is global except the listed countries, and Crimea is also blocked.
HoneygainMust be 18+ on your own home network (no shared or work networks) and payouts start at a $20 minimum.
GrassYou'll need: A computer
Terms bar minors and sanctioned regions (list not itemised) and rewards are points or tokens with no promised cash value.
Course platforms 3
SkillshareYou'll need: A computer, A portfolio or work samples
First-time teachers must be approved (English-language applications only) and earnings are forfeited while Tipalti payment setup is incomplete.
TeachableYou'll need: A computer, A bank account
No free plan (7-day trial), the Starter plan adds a 7.5% transaction fee, payouts can arrive within minutes of a sale.
WhopYou must be at least 13, or the higher local minimum. Ages 13 to 18 need a parent or guardian, and some services require 18.
Open source funding platforms 2
GitHub SponsorsYou'll need: A bank account, A tax ID number
Needs 2FA on GitHub, a bank account in the same supported region you live in and a W-9 or W-8BEN tax form, review takes a few days.
Open CollectiveProjects need an open source licence and recent activity, GitHub-verified ones are often auto-approved, and projects from anywhere are welcome.
Big marketplaces 2
JumiaJumia now runs in 8 African countries after leaving South Africa, Tunisia and Algeria, and seller requirements were not readable.
eBayYou'll need: A bank account
New private sellers get funds 2 to 7 days after delivery, and payouts go to a checking account or debit card, not PayPal.
Creator platforms 2
GumroadYou'll need: A bank account
Listed countries get bank payouts, others PayPal only (no Payoneer or Wise), $100 minimum payout, and US sellers need an SSN.
PatreonYou'll need: A tax ID number
Under 18 needs a parent or guardian's permission, and you must give tax info or Patreon may withhold tax.
Prize competitions 2
TopcoderYou'll need: A computer
Quebec, Crimea, Donetsk and Luhansk are also barred, winners pass an ID check and file a W-9 or W-8BEN, prizes paid within 90 days.
Wazoku CrowdSolvers must be 18 or older and not in a US-embargoed country, and award amounts and payment terms are set in each challenge agreement.
Stock marketplaces 2
ShutterstockYou'll need: A tax ID number
You need an approved tax form before any payout, and contributors in some countries face a 90-day waiting period.
EnvatoYou'll need: A portfolio or work samples, A tax ID number
New author applications are paused until further notice, when open they need portfolio review (about 30 days), tax info and an ID check.
Print-on-demand platforms 2
RedbubbleYou'll need: A computer
Paid monthly by the 15th once you pass the payment threshold, via PayPal or bank transfer (US, AU and UK banks), and inactive accounts can be charged a fee.
ZazzleYou'll need: A computer, A PayPal account
Royalties are paid by PayPal (from $50) or check (from $100) within 45 days after month end, and tax forms are needed.
Bug bounty platforms 2
HackerOneYou'll need: A computer
Under 18 needs parental consent, and payouts need a Veriff ID check plus an approved tax form.
BugcrowdYou'll need: A computer
A Jumio ID check is required before reporting to managed programs, and payouts need a tax form plus bank transfer or PayPal.
Photography gig platforms 2
FlytographerYou'll need: A camera, A portfolio or work samples, Good English
Needs 2+ years of paid lifestyle photography experience and conversational English, and only about 3% of applicants are accepted.
LocalgrapherYou'll need: A camera, A portfolio or work samples, Good English
Needs 3+ years of experience, professional gear with backups, very good English, and you must live in the destination you shoot.
Compute sharing platforms 2
SaladYou'll need: A computer
Chefs must be at least 18, and the app uses supported computer resources to earn redeemable reward points.
StorjYou'll need: A computer
Node needs 500 GB free space, 5 Mbps up and 99.3 percent uptime, and new nodes have 75 percent of earnings held in months 1-3.
Ticket resale platforms 2
viagogoOfficial pages blocked automated reading so eligibility is unverified.
StubHubOfficial seller pages blocked automated reading so eligibility is unverified.
Store builders 2
SellfySellers must be adults, and receiving payments depends on Stripe or PayPal availability in their country.
Big CartelAges 13 to 17 need a parent or guardian, and US-embargoed countries are barred.
Remote job boards 2
Working NomadsNo account is needed to browse or apply, many jobs are open worldwide but some employers set location limits, and Premium is an optional paid plan.
Real Work From AnywhereFree job board with no account needed, listing only remote roles the site says are open to candidates anywhere in the world.
Social platforms 1
YouTubeYou'll need: An existing audience
Partner Program needs 1,000 subscribers plus 4,000 watch hours (12 months) or 10M Shorts views (90 days), and an AdSense account.
Paid blogging platforms 1
MediumOfficial Medium pages blocked automated reading (HTTP 403) so Partner Program eligibility could not be verified.
Shipping gig platforms 1
ShaQ ExpressYou'll need: A smartphone, A motorbike or scooter, A driver's licence, Vehicle insurance
Ghana courier that needs riders aged 18 plus with a Ghana Card, a valid licence and insurance, and pays daily by mobile money or bank.
Microtask sites 1
Amazon Mechanical TurkYou'll need: A computer, A tax ID number
MTurk is closing on September 30 2026, so new workers should not sign up, and US persons living abroad were never supported.
AI training platforms 1
micro1You'll need: A skills test
You apply and take an AI interview. micro1 hires worldwide except a published list of restricted countries.
Marketplaces 1
GrailedYou'll need: A smartphone
Must be 16+ (18 in China) and pass a Persona government ID check, and you must connect a payment account before listing.
Affiliate networks 1
SkimlinksPublishers apply for approval and must supply valid payment and tax information before receiving commissions.
Care platforms 1
SittercityYou must be at least 18. These October 2025 terms say Sittercity does not check identity, unlike an older trust page.
Not available to people in Ghana (157)
Their official pages list the countries they accept, and Ghana isn't one of them right now: Coople, GetNinjas, foodora Austria, GoStudent, 99, Baemin, Glovo, Angkas, Handy, Angi, Swagbucks, Hipcamp, Wyzant, Outschool, Tutor.com, Prolific, NoBroker, Tutti, bol, Brainfuse, Grow Therapy, iFood, Rappi, Tutorful, Airtasker, Awign, BiTaksi, LINE MAN, Lalamove, Instacart, Just Eat, Textbroker, Bykea, Substack, Grab, Mrsool, Shadowfax, Stuart, SweepSouth, Wefunder, Deliveroo, HungerStation, The RealReal, Uklon, 1111 Job Bank, Billo, Course Hero, Insense, Sidekicker, Bark, Batmaid, Belay, Bijlesnetwerk, foodpanda, Gumtree, Kickstarter, Lyft, Shopee, Talabat, TaskRabbit, Thuisbezorgd, Truck Lagbe, Yassir, DoorDash, Flipkart, Gojek, Mable, MercadoLibre, Renovero, Swimply, Talkspace, Ticketmaster Resale, Tutor Circle, Urban Company, Zomato, ANYTIMES, Boldly, Daraz, Lazada, Ofri, Snapchat, Varsity Tutors, Vinted, Wonolo, 2dehands, DiDi, FINN.no, Getir, GoGoX, Indeed Flex, Pathao, Thumbtack, TikTok, Turo, 104 Job Bank, Amazon Live, Anibis, Avito Morocco, Etsy, JoinBrands, Liberapay, Mad Paws, Tokopedia, Upaya, Alma, Depop, Kijiji, Ola, Pyszne.pl, Republic, Sajilo Sewa, Swiggy, WriterAccess, 2EM, Allegro, Chuffed, Crowd Content, Poshmark, Roadie, Whatnot, Zenjob, Fancy Hands, Grubhub, jobs.at, Neighbor, Roby, Spark Driver, StockX, TCGplayer, Wolt, Amazon Flex, BetterHelp, Faras, Folksy, Getaround, Kiva, MyBuilder, Coupang, GO Japan, Lugg, Mercari, Rover, Spotify for Creators, Veryable, Yoxi, Ghost, Lawn Love, OfferUp, Vivid Seats, Headway, ShiftSmart, Buy Me a Coffee, Wag, Walmart Marketplace, GoFundMe, Upshift, Noon.
Frequently asked questions
What are the best freelance and gig platforms in Ghana?
Upwork and Fiverr connect Ghanaian freelancers with international clients, and Zindi pays data scientists through prize competitions. Locally, Bolt recruits ride-hailing drivers, ShaQ Express hires couriers across all 16 regions, Jumia lets businesses sell online, and Jiji is a classifieds marketplace for selling goods.
How do freelancers in Ghana get paid by international clients?
Options include Payoneer, supported by both Upwork and Fiverr, Upwork's direct transfer to a local bank for $0.99 where available, and USD wires for $50. Grey and Chipper Cash both serve Ghana, and money sent from abroad through Xoom can land directly in MTN and other mobile money wallets.
Does PayPal work in Ghana?
Not fully. In August 2025 Ghana's communications ministry said it had formally reopened engagement with PayPal to restore full access to its service for Ghanaian users, after PayPal's regional team issued a compliance roadmap in June 2025. Until full access returns, Payoneer, Grey or Chipper Cash are the practical alternatives for receiving foreign payments.
Can people in Ghana work on Upwork and Fiverr?
Yes. Upwork operates worldwide except Russia and Belarus, and the name on your withdrawal account must match your verified Upwork name. Fiverr requires sellers to be at least 18 to withdraw, and since each payout method has its own location restrictions, Ghanaian sellers can use bank transfer via Payoneer or a Payoneer account.
Is there still a tax on mobile money transfers in Ghana?
No. The E-Levy on electronic transfers, including mobile money, was scrapped. Finance Minister Cassiel Ato Forson announced the repeal in the 2025 budget, and President John Mahama signed the repeal bill on 2 April 2025, so wallet and bank transfers no longer carry the levy.