Every merchant account on Web Rabbit Payments starts the same way: create your workspace, pick an account type, complete verification, then switch from Test Mode to Live Mode. This page documents exactly what the dashboard asks for at each step, so you can gather everything before you start.
Are you an individual or registered business?
This is the first question in Merchant → Verification. It decides which checklist you get and which documents we ask for. You can change it from the verification page until you submit your business details.
Individual
- You're a creator or sole proprietor
- Payments and payouts are tied to you personally
- You don't have a company registration or business tax ID
Registered entity
- Your business is registered (Pvt Ltd, LLP, LLC, etc.)
- You have a GST, EIN, or other business tax ID
- You invoice customers under your company name
Choosing your business category
When you create a business you pick from 127 categories in these groups: Agriculture, Digital and software, Education, Financial services, Food and hospitality, Gaming and betting, Health and beauty, Media and entertainment, Non-profit and religious, Professional services, Real estate, Retail and e-commerce, Transport and logistics, Travel and events, Utilities and telecoms. Type to search, or choose “Something else” and describe it. Categories such as betting, Forex, lending and ride-hailing are supported but get a few extra checks during verification. Activities we can't support are listed in merchant acceptance.
Your verification checklist
The dashboard unlocks steps in order. Each step can be saved and resumed.
| Account type | Steps |
|---|---|
| Individual | Product information → Identity → Payout destination |
| Registered entity | Product information → Identity → Business details → Payout destination |
Step 1 — Product information
What you sell and how buyers receive it. The form asks for:
- Website(s) where customers purchase or access your product (add as many as apply)
- A short description of what the product does
- Product category — SaaS, Digital goods, Online course, E-book, Template, Membership, Consulting or Other
- How customers receive the product after payment (instant access, email delivery, manual fulfilment, ongoing subscription) plus a brief description of the flow
- How automated delivery is — fully automated through to fully manual
- Whether the product touches a sensitive area — crypto, health claims, regulated professional services, 18+ content, or gambling / betting tips / predictions and Forex, trading signals or trading education. The last two are supported and simply route you to an enhanced review.
- How you intend to integrate — payment links, inline checkout, API/SDK, or undecided
- How you acquire customers, and social media links for the product and founder
- Product stage (Idea, Building, Beta, Live and selling) and your current payment platform, if any
Step 2 — Identity
Required for both account types. Takes about a minute.
- Full legal name as it appears on your ID, and date of birth
- Residential address — country, address lines, city, state/region, postal code
- ID type (Passport, National ID or Driver's licence) and the document number
- Photo of the ID — front and back where the document has two sides
- A selfie for liveness matching
Uploads accept PDF, JPG or PNG up to 10 MB and are stored in a private, access-controlled bucket.
Step 3 — Business details (registered entities only)
- Legal name, trading name, entity type, incorporation date, registration/company number, tax ID (EIN / GST / VAT)
- Registered address, website, support email and support phone
- Owner or primary director — full name, role, date of birth and ownership percentage
- Documents: certificate of incorporation (or certificate of registration for a sole proprietorship), Form 3 for a company or Form A for a sole proprietorship, Ghana Card of the business owner, Ghana Cards for directors, and the tax document
Step 4 — Payout destination
Where settled funds land. Choose one of two destinations:
| Destination | What we ask for |
|---|---|
| Mobile money | Network (MTN Mobile Money, Telecel Cash, AT Money, G-Money), wallet number and confirmation, registered name, currency and country. No document upload — the network name lookup proves ownership. |
| Bank account | Account holder name, account number / IBAN and confirmation, routing type and code (IFSC, US routing or SWIFT/BIC), currency, bank name, branch name and address, country, plus a cancelled cheque or recent bank statement. |
Review, statuses and go-live
Once every step is submitted, your business moves into review. Most reviews finish within 72 hours. Statuses you will see in the dashboard:
| Status | What it means |
|---|---|
| Pending | Submitted and queued for review. Test Mode stays fully usable. |
| On hold | We need something corrected. The reason is shown inline on the affected step so you can fix and resubmit that step only. |
| Approved | Live Mode unlocks. Live keys, live collections and payouts become available. |
Sensitive categories — tipster and prediction platforms, gambling operators, Forex signals and education — go through a short enhanced review. The checklist of what to prepare is on the Merchant Acceptance Policy page.
After approval
- API keys — create live and test keys under Developer → API keys. Keys are shown once; authenticate as described in Authentication.
- Declare your app — send
HTTP-RefererandX-Webrabbitmedia-Titlewith live requests so we know where each key runs. Declarations appear under Developer → Applications and are reviewed by humans. - Start collecting — use Mobile Money, Hosted Checkout, or payment links generated from the dashboard.
- Automate fulfilment — subscribe to webhooks; every delivery is signed with HMAC-SHA256 so your backend can verify a payment before granting access.
- Get paid out — a platform fee from 10% applies to successful collections (see Fees). Withdrawals settle in GHS from Payouts → Balances, with a minimum withdrawal of GHS 2,000. A flat payout fee of 1.5% (no minimum or maximum) is deducted from the amount you request.
- Payout limits — every business has limits that grow with trust. New: GHS 5,000 per payout, GHS 10,000 per day, GHS 50,000 per month. Standard: GHS 20,000 / 40,000 / 300,000. Trusted: GHS 50,000 / 100,000 / 1,000,000. Bulk disbursements count toward the daily and monthly amounts. Large payouts get an extra review, withdrawals pause for 24 hours after a payout account is added or changed, and at most 3 payouts can wait at once. Your current limits show on Payouts → Balances; contact support on +233 59 896 9229 to raise them.
- Payout days — payouts and bulk disbursements are processed on working days only (Monday to Friday, excluding Ghana public holidays). Requests made on a weekend or holiday are scheduled for the next working day.
- Outside Ghana — approved merchants in all 16 registration countries can go live. Payments and payouts there run on OGateway in the local currency; the same limits, reviews and working-day rules apply.