What is a B2B ecosystem?
Business apps that belong to one platform and share the account and the data, instead of being wired together through paid integrations.
Ghana · GRA E-VAT + AfCFTA Secretariat
From ORC incorporation to GRA E-VAT — Ghana's business lifecycle, explained step by step.
Ghana hosts the AfCFTA Secretariat in Accra and is rolling out mandatory GRA E-VAT electronic invoicing for all VAT-registered businesses. Layer on VAT at 15 % with NHIL, GETFund and COVID levies, Mobile Money as the dominant payment channel, and SSNIT tier-1/tier-2 pension obligations, and every invoice, return and cross-border shipment reflects a compliance stack that generic software was not designed for. This guide explains each layer — from ORC registration and GRA TIN through payroll to AfCFTA export documentation. 4b2b does not connect to GRA or issue E-VAT documents; its general-purpose tools are described below.
Explore the topic map →Illustrative overview (not measured data)4B2B · LEDGER VIEW
18
Modules
3
Clusters
GH
Country
InvoicingAccountingPayrollOther
Illustrative trend
Currency
GHS
VAT
15 % + levies
Market
AfCFTA / ECOWAS
Registry
ORC / GRA
Start with the services you can use today
Subscribe online to the first applications of the 4b2b ecosystem, then add more modules to the same account whenever you need them.
Invoicing
Issue and manage invoices online, with plans that start with a free trial period.
from €1 /month
Hosting
cPanel hosting, VPS, dedicated and GPU servers on fast NVMe storage.
from €5 /month
Notifications
Send SMS, e-mail and WhatsApp notifications to your customers from one place.
from €49 /month
Four realities that define doing business in Ghana
E-VAT is live. VAT is 15 % plus levies. MoMo dominates payments. AfCFTA sits in Accra. One platform for all four.
Ghana's GRA E-VAT rollout is not a pilot — it is live and expanding to every VAT-registered business. Add a 15 % VAT rate with three separate levy surcharges (NHIL 2.5 %, GETFund 2.5 %, COVID levy), Mobile Money as the primary B2C and increasingly B2B payment rail, and Ghana's unique position as host of the AfCFTA Secretariat giving it a first-mover advantage in pan-African trade, and every invoice, return and export shipment reflects these realities simultaneously.
GRA-EVATGRA E-VAT — mandatory rolloutThe Ghana Revenue Authority is rolling out mandatory E-VAT electronic invoicing for all VAT-registered businesses. Every tax invoice must be transmitted electronically to GRA in the prescribed format, creating a real-time audit trail. Paper invoices for covered transactions are no longer compliant.
VAT-15-LEVIESVAT 15 % + NHIL / GETFund / COVID leviesStandard VAT is 15 % on taxable supplies. NHIL (2.5 %), GETFund (2.5 %) and the COVID levy are added on applicable transactions, making the effective surcharge rate materially higher than the headline VAT. All components are tracked separately in the GRA return. Periodic returns are filed through the GRA online portal.
MOMOMobile Money — primary payment railMobile Money (MTN MoMo, AirtelTigo Money, Vodafone Cash) is Ghana's dominant payment method for businesses and consumers alike. Each MoMo receipt must be reconciled against an open E-VAT-registered invoice daily to maintain a clean GRA audit trail and avoid VAT discrepancies.
AFCFTAAfCFTA Secretariat host — 54-nation trade accessGhana hosts the AfCFTA Secretariat in Accra, giving it a distinctive positioning as the gateway to pan-African trade. Intra-AfCFTA trade progressively benefits from preferential tariff schedules across 54 signatory states, but correct origin documentation is non-negotiable at every border crossing.
01 · COMPANY FORMATION
Company Formation & Registration
Before the first GRA E-VAT invoice can be transmitted, a Ghanaian company must clear five administrative hurdles: ORC/RGD registration, GRA TIN linked to Ghana Card PIN, VAT enrolment, business bank account and registered office. This cluster covers each step and notes where general-purpose tools can help from day one.
6 · Open →
02 · OPERATIONS
Operations — VAT 15 %, GRA E-VAT, Payroll, MoMo
Running a Ghanaian company day to day means: filing a periodic VAT return at 15 % plus levy components through the GRA portal, transmitting every invoice through GRA E-VAT, processing payroll against PAYE and two SSNIT tiers, and reconciling Mobile Money alongside bank-transfer receipts. This cluster covers each operational requirement and notes which general-purpose modules can support it.
6 · Open →
03 · CROSS-BORDER
Cross-border — AfCFTA, ECOWAS & West African Exports
Ghana's cross-border position is singular: host of the AfCFTA Secretariat in Accra, founding ECOWAS member and a growing exporter of financial, technology and professional services. Every cross-border transaction — whether a gold export, a tech service contract or a worker seconded to a West African subsidiary — carries VAT, customs and employment implications that require careful, coordinated documentation.
6 · Open →
The 4b2b modules — general-purpose business tools
Each product lives on its own brand domain — subscriptions, billing and support are managed there. Use them for general invoicing, records, CRM, HR records and messaging; they do not replace filings with Ghanaian authorities.
4hosting.netReliable hosting and VPS infrastructure tailored for the 4b2b stack and partner deployments.4invoices.netInvoicing in 73 countries: PDF invoices, numbering, client records and payment links, with ANAF e-Factura integration in Romania.4notify.netSMS and WhatsApp notifications, with an API to send them from your own applications.4shopy.netE-commerce platform to launch and run your online shop.
Technologies underpinning the ecosystem
The modules offer a REST API, webhooks, PDF invoices and e-mail and SMS sending. There are no integrations with Ghanaian authorities (GRA, ORC, SSNIT) or Mobile Money operators; the local standards listed are informational.
Local standards (informational)
GRA E-VATUBL 2.1Peppol BISCIIISO 20022
Security & compliance
TLS 1.3OAuth 2.0DPA 2012 Act 843 (informational)
Integrations
REST APIWebhooksPDF invoicesE-mail and SMS
Infrastructure
EU data centresPostgreSQLBackups
Built for accountants, advocates and compliance advisers
Accounting firms, advocates, tax consultants and IT agencies can use the general-purpose modules for invoicing and record keeping. TIN registrations, E-VAT onboarding, VAT returns and SSNIT filings remain done directly with the authorities.
Accounting firms
Keep client invoices and financial records in one place; E-VAT enrolment and GRA VAT returns are handled with GRA directly.
Advocates
Issue engagement fee PDF invoices in GHS and keep them in an invoice archive; confirm VAT and levy treatment with GRA.
Tax consultants
Use the invoice archive and multi-company records as a source for your own VAT analysis; returns are filed on the GRA portal, not from 4b2b.
IT agencies
Issue PDF invoices for cross-border technology services and archive them; confirm zero-rating conditions for export contracts with GRA.
The 4b2b ecosystem
Why an ecosystem instead of separate apps
The 4b2b ecosystem is a group of business apps that share one account, one company record and one customer record. You switch on only the modules you need, and anything entered once shows up everywhere else — from invoicing through contracts to timesheets.
- One login for every module, with permissions set per role.
- Company and customer details are entered once, not six times.
- One subscription, with modules you turn on as you go.
- Local tax compliance included on every market we open.
Questions about the ecosystem
Short answers to what small companies ask most often before choosing. Each one has its own page, with worked examples and the mistakes to avoid.
What is the 4b2b ecosystem?
Invoicing, accounting, CRM, ERP, HR, projects, contracts and notifications under one account, with local compliance on each market.
How does an ecosystem cut software costs?
It removes parallel subscriptions and paid connectors: replacing six separate apps typically takes 40–60 % off the monthly bill.
What does Single Sign-On mean for a company?
One person signs in once and reaches every module; when they leave, access is revoked from a single place.
How is tax compliance handled across 70 countries?
Every market has its own e-invoicing format and channel, and the ecosystem applies them from the market you selected.
Partner programme — Ghana
Accountants, advocates and IT consultants who introduce the 4b2b ecosystem to their Ghanaian clients earn a recurring monthly commission on every active subscription — no cap, no cliff.
Accountants
20–30 %
Recurring commission on every client mandate actively using the invoicing, bookkeeping or payroll modules.
Advocates
10–20 %
Earned on referrals arising from ORC incorporation work, commercial contracts or GRA compliance advisory.
IT partners
20–30 %
Highest tier — triggered when multiple modules are deployed for a single enterprise client, e.g. invoicing + ERP + HR together.
