Ghana · payments

Paying for AI APIs with card in Ghana

The card checkout walkthrough for Ghana buyers, step by step.

As of 2026-11-14. Live numbers: stats and status. Operator: Lacesse Ventures.

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Direct answer

Ghana buyers pay by USD card at this checkout; mobile money shows only in the Kenyan checkout. The wallet credits in USD, your Ghanaian cedi issuer sets the conversion rate, and deepseek-v4.1-flash-1017 is the usual first route at $0.05 input and $0.15 output per 1M tokens.

Live numbers as of 2026-11-14

These figures come from the public stats snapshot generated on 2026-11-14 from backend ledgers. They show volume and reliability only; they do not prove any single route wins your workload. Run your own 50 prompts before you move budget.

MetricValueWhat it tells you
All-time requests126,617109 days since launch
All-time tokens processed5,460,329,0092,299,586,240 served from cache
Requests, last 30 days116,1895,437,162,745 tokens across 82 active routes
Registered developers (all time)424Self-serve accounts, prepaid
Live model routes31Catalogue at /models; machine list at /v1/models
DeepSeek V4.1 Flash 1017, last 30 days63,202cache-hit rate 12.94%
DeepSeek V4.1 Flash Economy (free), last 30 days8,741cache-hit rate 97.36%; free window, not an SLA
30-day uptime98.95%88,390 health checks; status currently reports attention, re-check /status before production

What the routes cost right now

Prices are USD per 1M tokens, taken from the live registry snapshot dated 2026-11-14. The KES columns use the checkout rate of KES 133 = $1; your bank or card issuer may add its own conversion margin on top.

The catalogue is authoritative at /v1/models (the OpenAI-compatible listing) and at /models (the public card with context windows and rate limits). Check both before a production commitment; prices move with provider terms.

See the live list from your terminal: curl -s https://api.fikraapi.co.ke/v1/models -H "Authorization: Bearer YOUR_FIKRA_KEY"

Model IDInput / 1MCached input / 1MOutput / 1MInput KES / 1MOutput KES / 1M
deepseek-v4.1-flash-1017$0.05$0.0075$0.15KES 6.65KES 19.95
deepseek-v4.1-flash$0.05$0.0075$0.15KES 6.65KES 19.95
qwen3.8-27b$0.045$0.045$0.35KES 5.98KES 46.55
glm-5.3-flash$0.1875$0.0375$0.625KES 24.94KES 83.12
glm-5.3$1.225$0.225$3.85KES 162.93KES 512.05
kimi-k3$2.4375$0.24375$12.1875KES 324.19KES 1,620.94

Why card payments fail in Ghana, and what changes with a wallet

Cards fail for three common reasons: the FX margin on a foreign-currency invoice, silent blocks on foreign AI billing merchants, and 3-D Secure challenges that time out on mobile networks. Prepaid cards also decline once the balance drops below the authorisation hold.

A virtual card solves the 3DS retry problem but not a blocked merchant. Wallet pre-funding removes the per-invoice FX negotiation entirely: you convert once, at top-up, and every call debits the USD balance at the published rate.

How the Ghana checkout works

StepWhat you do
1Create the Fikra account at /account/signup and verify the email.
2Open /dashboard and choose card. Kenya also shows M-Pesa and Airtel Money; Ghana does not.
3Enter $5 or more in the checkout. The charge is in USD; your issuer converts to GHS at its own rate and margin.
4Complete 3-D Secure or your bank's approval step on your phone.
5The USD wallet credits after the charge succeeds; calls can start immediately.

What to check before you pay in Ghana

  1. Never share a PIN or one-time code with anyone claiming to be support; Fikra checkout never asks for it.
  2. If someone sells wallet top-ups for Fikra without an API key and a /v1/models listing, that is account sharing, not API access.
  3. Crypto-only proxies with no public terms give you no audit trail; for production you want request IDs and a ledger you can export.
  4. Confirm the route you plan to use appears at /v1/models before you fund more than the $5 minimum.

How to start in Ghana in ten minutes

  1. Create the account at /account/signup and verify the email address.
  2. Copy the fk_live_ key from the dashboard and store it somewhere safe; it is shown once.
  3. Open /dashboard and pay by USD card. The minimum top-up is $5. Conversion from Ghanaian cedi happens at your card issuer's rate and fees, not at a Fikra-set rate. Kenya also shows M-Pesa and Airtel Money; Ghana does not.
  4. Point your OpenAI client at https://api.fikraapi.co.ke/v1 and set the model to deepseek-v4.1-flash-1017.
  5. Run 50 prompts from your own workload, then open /stats and the dashboard to check token spend and cache hits before you scale.
  6. Cap the key with a budget in the dashboard, keep the route that wins your prompt set, and drop the rest.
curl https://api.fikraapi.co.ke/v1/chat/completions \
  -H "Authorization: Bearer YOUR_FIKRA_KEY" \
  -H "Content-Type: application/json" \
  -d '{"model":"deepseek-v4.1-flash-1017","messages":[{"role":"user","content":"Summarise this ticket in two lines."}]}'

Questions buyers ask

Can I pay from Ghana without a foreign credit card?

Not at this checkout. Ghana buyers pay by USD card; the Kenya checkout additionally shows M-Pesa and Airtel Money. Mobile money is not available outside Kenya on this checkout, so plan your funding path before onboarding a team.

How much do I need to start?

The minimum top-up is $5. Self-serve plans are prepaid per 30 days: Lite $10, Pro $25, Max $60. Every tier allows 3,000 requests per minute and 250,000 per day. There is no free production tier; free windows are trials.

Which model ID should I use first?

Use deepseek-v4.1-flash-1017 for text, code and summarisation at $0.05 input and $0.15 output per 1M tokens. Confirm it is listed at /v1/models before production, then compare against qwen3.8-27b and glm-5.3-flash on your own prompts.

Does Fikra sign an SLA?

No. Self-serve is prepaid and has no SLA. Platform 30-day uptime is published at /status (98.95% over 88,390 checks as of 2026-11-14, with status reported as attention). If you need a contractual commitment, contact support before you sign anything.

Where do I see my spend?

The dashboard shows balance and per-key usage; /stats publishes platform-wide telemetry from the same ledgers. Keep request IDs from production calls if you need to reconcile a charge.

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