In 2025, Ghana's Electronic Transactions Bill was introduced to enhance consumer protection in the online marketplace. It mandates online sellers to display their legal information and refund policies. Consumers can cancel orders within specified periods and receive full refunds. The bill prohibits unsolicited marketing, imposes penalties on offenders, and holds online businesses accountable for secure payments. While aiming to rebuild trust, small sellers may struggle with compliance, potentially pushing them underground.
Ghana’s Electronic Transactions Bill impact
Public
Ghana
Author: Tara Nedeljković
Category:
Fiscal subject related
Views:
13
Content accuracy validation date:
06.11.2025
Content accuracy validation time:
08:23h
Ghana introduced a new Electronic Transactions Bill in 2025 that aims to protect consumers in the growing online marketplace in this country. The bill requires all online sellers to clearly display their legal name, address, business registration, and refund policies. This move ends the era of anonymous sellers and increases transparency.
Consumers will have the right to cancel orders within 14 days of delivery, and for services, within 7 days, and receive a full refund. The bill also bans sending unsolicited marketing messages, with heavy fines and possible prison time for offenders. Online businesses will be responsible for securing digital payment systems and liable for any losses caused by insecure platforms. The law protects customer data by preventing banks and fintech companies from selling or sharing payment information without proper notice.
Ghana’s latest e-commerce growth has been accompanied by fraud, fake sellers, and poor refund experiences, which have hurt consumer confidence. This bill aims to rebuild trust and bring Ghana’s digital market closer to international standards. However, small online sellers, particularly those operating informally on social media platforms like Instagram and TikTok, may face challenges meeting the new regulations.
There is a certain concern that these rules could push informal sellers underground or out of the market. Overall, the bill marks a significant step toward a safer and more reliable online shopping experience for Ghanaians.
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