Stop Losing Money to Online Seller Scams
Most online buying scams in Ghana follow the same script: you send mobile money to a number you've never dealt with before, and then you wait — sometimes for an item that never comes. SurePay breaks that script by holding your payment in escrow until you actually confirm the order arrived as described.
How most online scams in Ghana actually happen
- You pay a seller's personal MoMo number upfront, before the item ships
- The seller goes quiet, or the tracking "code" they send doesn't check out
- What arrives (if anything) isn't what was pictured or described
- There's no ID behind the account, and no way to prove what was agreed
- Once the money has left your MoMo wallet, there's no dispute process to fall back on
How SurePay protects a buyer
1. Pay into escrow, not the seller
Your MTN, Telecel or AirtelTigo Money payment goes into SurePay's escrow — the seller doesn't receive a pesewa yet.
2. Seller ships with proof
The seller is Ghana Card-verified and has to mark the order shipped with proof before you're asked to do anything.
3. You get a confirmation window
You have time to check the item is as described before funds release — no rushing to confirm.
4. Disputes are mediated, not ignored
If something's wrong, you open a dispute inside the deal instead of losing the money outright.
Frequently asked questions
Is SurePay only for buyers, or can I use it as a seller too?
Both. Buyers pay into escrow for protection; sellers get a Ghana Card-verified profile and a Sovereign Score that builds their reputation over time.
What mobile money networks does SurePay support?
MTN Mobile Money, Telecel Cash, and AirtelTigo Money.
What happens if the seller never ships?
The deal never leaves escrow to begin with — you can open a dispute, and funds are not simply handed over on a promise.
What if the item isn't what was described?
You can raise a dispute before confirming. SurePay's dispute process reviews the evidence from both sides rather than defaulting to whoever paid first.
Does it cost anything to pay through SurePay as a buyer?
SurePay's fee structure is success-only, charged when a deal actually completes — see the app for current pricing.