Loyverse is good. Here’s where Ghana needs something else.

Checked against Loyverse’s own pricing page in September 2026. Prices and features change, so check theirs before you decide.

What Loyverse does well

Credit where it’s due. Loyverse:

• is free to start, and the free version is generous: sales, sales analytics, basic inventory, a loyalty programme, a customer display, a kitchen display and more than one store;
• has years of polish and a large community;
• works with barcode scanners and other common hardware;
• runs on the phones and tablets you already have.

For a lot of businesses in a lot of countries, it’s a very good answer.

Where a food business in Ghana feels the gaps

MoMo. Loyverse’s payment partners, as it lists them, are Shift4, SumUp, Tyro, Zettle and Yoco. None of them take MoMo. So in Ghana, a MoMo payment happens outside the app: somebody checks a phone, and then types it in as paid. That’s the screenshot problem, still there. Fake MoMo alerts explains why it matters.

The paid parts are in dollars. Employee management, longer sales history and advanced inventory are add-ons priced in US dollars, per employee or per store. For a business earning in cedis, the bill moves with the exchange rate.

Ghana’s taxes. VAT, NHIL and GETFund, and the Tourism Levy for licensed restaurants, on separate lines, are Ghana-specific. VAT and the Tourism Levy has the details.

Where Tabworthy is different

• A MoMo prompt that confirms itself. Type their number, they approve on their phone, and the sale closes only when the money arrives. MTN, Telecel and AirtelTigo. Mobile money.
• Built for no network. Every sale saves on the phone first and catches up by itself. Selling offline.
• Cedis throughout, Ghana’s tax presets, and prices shown in cedis in the app.
• Food and drink first: tabs that stay open while people eat, a kitchen board, delivery apps kept apart from the drawer, and credit under each customer’s name.

Side by side

	Loyverse	Tabworthy
Free to start	Yes	Yes, one person on one till
MoMo prompt to the customer’s phone	No	Yes
Paid parts priced in	US dollars	Cedis
Kitchen display	Yes	Yes
More than one store	Yes, free	On Chain
Barcode scanners	Yes	No
Ghana’s VAT and Tourism Levy	Not built for Ghana	Yes
Maturity	Years, many countries	New, in early access

Which fits your counter

Choose Loyverse if you need barcode scanning, several stores on a free plan, or the maturity of an app used around the world, and MoMo is a small part of how you’re paid.

Choose Tabworthy if MoMo is a big part of your day, if the network can’t be trusted, and if you’d rather have a till built for food and drink businesses in Ghana. It’s new, and we’re opening it to a first circle of businesses a few at a time.