Help · Subscriptions

How to get a card to subscribe

SkillsPad subscriptions auto-renew monthly through Paystack, and Paystack's recurring billing only works with cards — not mobile money. If you don't have a card yet, the fastest way to get one in Ghana is through the GCB mobile app. The whole thing takes about ten minutes and you don't need to visit a branch.

What you'll need: a Ghana Card (or other valid ID), a smartphone, and a few minutes. There's no minimum deposit required to open the account, and the virtual card is free to issue.

Step 1 — Download the app

Go to the Google Play Store or App Store and download the GCB Mobile App (also called the Recoded App).

Step 2 — Sign up with your Ghana Card

Sign up using your Ghana Card — no branch visit or initial deposit needed. The app handles ID verification on-screen and gives you an account number once you're done.

Step 3 — Generate a Virtual Card

Once you're registered, navigate to Cards and generate your Virtual Card. Load it with a small amount to test — enough to cover your monthly tier plus a little buffer.

Step 4 — Subscribe on SkillsPad

Go to your subscription page and pick the tier you want.
You'll be redirected to Paystack. Choose Card as the payment method.
Enter the 16-digit number, expiry date, and CVV from your virtual card in the app.
Approve the charge. Your tier upgrades immediately and the card will be charged automatically each month going forward.

Keep the card funded

The card needs enough balance on each renewal day to cover the monthly fee. If the charge fails, your tier drops to Starter until the next successful payment. Top up your virtual card from mobile money a day or two before your renewal date.

Other apps that work the same way

GCB isn't the only option — most Ghanaian banks now offer instant-account + virtual-card flows in their mobile apps. If GCB doesn't work for you, any of these will:

Stanbic Bank Ghana app
Ecobank Mobile
Absa Bank Ghana app
Fidelity Bank Ghana app

Stuck somewhere? Reply to any SkillsPad email or message us from your dashboard and we'll walk through it with you.

How to get a card to subscribe

What you'll need: a Ghana Card (or other valid ID), a smartphone, and a few minutes. There's no minimum deposit required to open the account, and the virtual card is free to issue.

Step 4 — Subscribe on SkillsPad

Go to your subscription page and pick the tier you want.

You'll be redirected to Paystack. Choose Card as the payment method.

Enter the 16-digit number, expiry date, and CVV from your virtual card in the app.

Approve the charge. Your tier upgrades immediately and the card will be charged automatically each month going forward.

Keep the card funded

Other apps that work the same way

GCB isn't the only option — most Ghanaian banks now offer instant-account + virtual-card flows in their mobile apps. If GCB doesn't work for you, any of these will:

Stanbic Bank Ghana app

Ecobank Mobile

Absa Bank Ghana app

Fidelity Bank Ghana app

Stuck somewhere? Reply to any SkillsPad email or message us from your dashboard and we'll walk through it with you.