To accept part payments in Ghana, send an invoice that allows part payments, or a payment link for each instalment. On Paylead, the invoice shows Part paid when a deposit comes in and Paid when the balance is settled, and clients pay each part by MoMo or card. It is free to start.
Option 1: an invoice with part payments (best for one client)
- Go to Invoices → New invoice: send an invoice.
- Add the client and the items, for example "Bridal gown, made to measure: GH₵ 3,000".
- Set a due date and turn on part payments.
- Send it. The client gets it by email with a Pay now button, and you can share the link on WhatsApp.
- The client pays what they can now. The invoice shows Part paid with the balance still open.
- They come back to the same invoice to pay the rest.
Every payment lands in your wallet like a normal sale.
Option 2: a payment link per instalment (best for many people)
For a fixed plan, like a course paid in three parts or a trip paid monthly, make a payment link for each instalment ("Part 1 of 3: GH₵ 400") and send them one after the other.
Option 3: a subscription (for regular payments)
If people pay the same amount every week or month, a subscription (Pro plan) reminds them by SMS and email before each payment.
What it costs
Each online payment costs 4% + GH₵ 1. Three payments of GH₵ 1,000 cost GH₵ 41 each.
Tips
- Ask for 50% to start on custom work. It covers your materials if the client disappears.
- Put the plan in writing in the invoice note: how much, by when, and what happens if a payment is late.
- Deliver when it is paid in full, unless you agreed otherwise.
Frequently asked questions
Can the client choose how much to pay each time?
With part payments on, yes. The invoice tracks what is left.
Can I see who still owes me?
Yes. Invoices show their status: Sent, Part paid, Paid or Overdue.
Can clients pay by card?
Yes. Visa and Mastercard as well as mobile money.
Do I need a product for this?
No. Invoices and payment links work without a product.
