How does cedi-to-dollar conversion work when funding a card?

Conversion happens at the moment you top up, with the rate and any route-dependent fee shown on screen before you confirm. You always know exactly how many dollars land on the card.

Will the card work for Facebook and Google ads billing in Ghana?

The cards are standard Visa and Mastercard credentials funded in USD, which is the setup that avoids the local-currency billing failures many Ghanaian advertisers experience. Each platform applies its own billing checks at setup, as with any card.

What do Ghanaian businesses mainly use virtual cards for?

The most common patterns we see: supplier deposits on sourcing platforms for China and UAE trade, USD ad-account billing for agencies, and software subscriptions — each on its own capped card.

Virtual Cards

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Virtual Cards · Ghana

Virtual Dollar Cards for Ghanaian Businesses

Fund with MTN MoMo, Telecel Cash or a GHS bank transfer — then spend in USD on international suppliers, ad platforms and software, without begging a bank for a dollar card.

Create Virtual Card Book a Demo

Fund with mobile money
GHS → USD at top-up
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For Ghanaian importers, agencies and SaaS-reliant teams, the hardest part of international spending isn’t the spending — it’s getting a card that works. Bank-issued dollar cards come with queues, forms and limits that change with every FX cycle. A KeyBS Pay virtual card starts from what you already have: cedis in a bank account or mobile money wallet.

Top up from MTN Mobile Money, Telecel Cash or a GHS bank transfer, convert to USD at a rate quoted before you confirm, and create Visa or Mastercard cards for each purpose — supplier deposits on sourcing platforms, Meta and Google ad billing, or the software stack your team runs on.

Fund your card in Ghana

Local currency: Ghanaian cedi (GHS) — conversion is quoted on screen before every top-up.

MTN Mobile Money

Top up your KeyBS wallet straight from MTN MoMo — the rail most Ghanaian businesses already run on daily.

Telecel Cash & AT Money

Telecel Cash (formerly Vodafone Cash) and AT Money wallets are supported for cedi top-ups.

GHS Bank Transfer

Fund from any Ghanaian bank account via local transfer — conversion to USD quoted on screen before you confirm.

USDT / USDC

Hold value in stablecoins between cedi cycles and fund cards without touching the parallel market.

USD / EUR / GBP Balances

Already receiving foreign currency? Fund cards directly from multi-currency wallet balances at face value.

How businesses in Ghana use their cards

China & UAE Supplier Deposits

Pay deposits and marketplace orders on sourcing platforms with dedicated per-vendor cards.

Meta & Google Ads Billing

USD-funded cards stop the ad-account billing failures common on GHS bank cards.

Software & Subscriptions

Run Shopify, Canva, hosting and the rest of the stack on capped per-tool cards.

Common questions

Yes. Top up your KeyBS Pay wallet from MTN MoMo (Telecel Cash and AT Money are also supported), convert to USD at a quoted rate, and fund any of your virtual cards from the wallet.

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Ready to create your first card?

Verify your business online, fund your wallet, and issue virtual Visa & Mastercard cards in seconds.