Payment Policy
Accepted Payment Methods
Digital Payments:
- Mobile Money (MTN, Vodafone, AirtelTigo)
- Bank Cards (Visa, Mastercard)
- Ghana Interbank Payment and Settlement Systems (GhIPSS)
- Digital Wallets (ZeePay, G-Money)
Traditional Payment Methods:
- Bank Transfer
- Direct Bank Deposit
- Cash on Delivery (subject to eligibility)
Transaction Security
- All digital payments are processed through secure, encrypted platforms.
- tonatua implements industry-standard SSL encryption for all transactions.
- We comply with the Bank of Ghana's cybersecurity directives and PCI DSS standards.
- Customer payment information is never stored on our servers.
Payment Terms Online Purchases
- Full payment may be required at the time of order placement.
- Orders are not processed until payment confirmation is received.
- Payment validation may take up to 1 business day for certain payment methods.
Cash on Delivery
- Available for orders under GH₵2,000.
- Valid ID required at delivery.
- Only exact amount accepted - delivery agents do not carry change.
- Service charge will be applied separately.
Currency and Pricing
- All prices are listed in Ghana Cedis (GH₵).
- International customers may view prices in USD but will be charged in GH₵.
- Exchange rates are updated daily according to Bank of Ghana rates.
- Prices include VAT and other applicable taxes.
Payment Confirmation
Customers will receive:
- Immediate payment confirmation via email.
- SMS notification of successful payment.
- Digital receipt for their records.
- Transaction reference number.
Refunds and Cancellations
Refund Methods:
- Refunds will be processed through the original payment method.
- Processing time: 3-7 business days for digital payments.
- Bank transfers may take 5-10 business days.
Cancellation Policy:
- Orders can be cancelled before shipping for a full refund.
- Cancellation fees may apply after shipping initiation.
- Partial cancellations available for multiple-item orders.
Failed Payments
In case of payment failure:
- Customer will be notified immediately.
- Order will be held for 24 hours.
- Alternative payment methods can be arranged.
- After 24 hours, items will be released back to inventory.
Installment Payments
Available for purchases over GH₵5,000:
- Initial deposit of 40% required.
- Maximum 3-month payment plan may be accepted.
- Monthly installments processed automatically.
- Service charge of 5% applies.
Dispute Resolution
For payment disputes:
- Submit claim within 30 days of transaction.
- Provide transaction reference number.
- Include relevant documentation.
- Resolution within 14 business days.
Business Account Payments
For registered businesses:
- Credit terms available upon approval.
- Net 30 payment terms for qualified accounts.
- Bulk purchase discounts available.
- Monthly invoicing option.
Contact Information
For payment-related inquiries:
📞 Call Us: +233 (0) 20 9258509
• Business Hours: Monday-Friday, 8:00 AM - 5:00 PM GMT
Policy Updates
- tonatua reserves the right to modify this payment policy.
- Changes will be communicated via email and website notifications.
- Updated policies take effect immediately upon posting.
- Existing orders will be processed under the policy in effect at the time of purchase.
Legal Compliance
This payment policy complies with:
- Bank of Ghana regulations.
- Electronic Transactions Act.
- Consumer Protection Laws.
- Anti-Money Laundering regulations.
Last Updated: May 2025
Note: Terms and conditions are subject to change. Please refer to our website for the most current version of this policy.