Africa Deployments (ADS) is an Employer of Record (EOR) provider that lets international companies hire staff in Ghana legally, without opening a local entity. As an EOR Ghana partner, ADS becomes the legal employer of record, handling labor contracts under the Labour Act, 2003 (Act 651), SSNIT pension registration, and PAYE income tax withholding, so a foreign business can build a compliant team in one of West Africa’s largest economies.
Quick facts: Employer of Record Ghana at a glance
- Employer SSNIT (Tier 1) contribution: 13% of basic salary
- Employee SSNIT contribution: 5.5% of basic salary
- SSNIT insurable earnings band (2026): GHS 587.79 to GHS 69,000/month
- National daily minimum wage: GHS 19.97/day (approximately GHS 519/month on a 26-day month), effective January 2026
- Corporate income tax: 25%
- Standard VAT rate: 15%
What Is an Employer of Record in Ghana?
An Employer of Record in Ghana is a licensed local entity that legally employs staff on behalf of a foreign company, while that company retains full control over the employee’s day-to-day work. Africa Deployments’EOR Ghana service covers compliant contract drafting under the Labour Act, 2003, SSNIT registration under the National Pensions Act, 2008, PAYE withholding, statutory leave administration, and work permit support for expatriates.
Beyond EOR, Africa Deployments also supports companies that want a PEO Ghana co-employment arrangement, plus standalone payroll Ghana outsourcing for businesses that already hold a local entity but want compliant GHS payroll and SSNIT reporting handled externally.
Ghana Employment Law at a Glance
| Requirement | Detail |
|---|---|
| Governing law | Labour Act, 2003 (Act 651); National Pensions Act, 2008 (Act 766) |
| Minimum wage | GHS 19.97/day, set annually by the National Tripartite Committee |
| Pension system | Three-tier: SSNIT (Tier 1, 13.5% combined), Tier 2 occupational scheme, optional Tier 3 |
| SSNIT filing deadline | 14 days after month-end |
| PAYE filing deadline | 15th of the following month |
| Corporate tax | 25% |
Payroll, Tax and SSNIT Compliance in Ghana
Ghanaian payroll runs on two parallel obligations: progressive PAYE income tax withheld and remitted to the Ghana Revenue Authority (GRA), and mandatory pension contributions to the Social Security and National Insurance Trust (SSNIT), which administers Ghana’s Basic National Social Security Scheme under the National Pensions Act, 2008. The combined SSNIT pension contribution is 18.5% of basic salary: employers remit 13% directly plus 5.5% withheld from the employee, of which 13.5% goes to SSNIT’s Tier 1 scheme and the remainder to the employee’s Tier 2 fund manager.
Because SSNIT’s minimum and maximum insurable earnings caps are revised every January (rising from GHS 61,000 to GHS 69,000 at the top for 2026 alone) and Ghana’s minimum wage is set annually as a daily rather than monthly figure, businesses running Ghana payroll on prior-year tables risk both under-remitting and under-paying. This is the compliance gap Africa Deployments’ EOR and payroll Ghana services are built to close.
Why Companies Choose Africa Deployments for EOR Services in Ghana
Africa Deployments (ADS) operates as an Employer of Record across 50+ African countries, including Ghana, giving companies a single partner for West Africa and continent-wide expansion rather than a patchwork of local vendors. For Ghana specifically, ADS handles:
- SSNIT registration and monthly filing at current insurable earnings caps
- PAYE withholding and payslip generation in GHS
- Labour Act-compliant contract drafting
- Statutory leave and termination calculations
Frequently Asked Questions
What does an Employer of Record in Ghana actually do?
An EOR like Africa Deployments becomes the legal employer of your Ghana-based staff, managing contracts, SSNIT registration, PAYE withholding and statutory leave, while you direct the employee’s daily work.
How much do employers contribute to SSNIT in Ghana?
Employers contribute 13% of basic salary directly to SSNIT, plus remit a further 5.5% withheld from the employee, for a combined 18.5% pension contribution.
What is Ghana’s minimum wage in 2026?
The National Daily Minimum Wage is GHS 19.97 per day, set annually by the National Tripartite Committee.
Does Africa Deployments offer payroll-only services in Ghana?
Yes. Alongside full EOR, ADS provides standalone payroll Ghana outsourcing for companies that already have a local entity but want SSNIT and PAYE compliance managed externally.
About Africa Deployments
Registered Company Name: Africa Deployments Ltd.
Address: The Strand, Beau Plan Business Park, Mauritius
BRN: C19167158 | VAT: 27738392
Phone: +230 5713 8629
Conclusion
Ghana’s annually revised SSNIT earnings caps and minimum wage mean payroll processes built on prior-year figures are already out of date. An EOR Ghana arrangement with Africa Deployments keeps SSNIT and PAYE compliance current, giving international businesses a fast, compliant route into one of West Africa’s largest economies.
Reviewed by: Africa Deployments (ADS) Compliance Team
