To pay your bill at your nearest branch of Merchant Bank, just go up to the window, let the bank clerk know your phone number and what type of payment you would like to make (cash or cheque). The bank clerk will process your payment and issue you with a printed receipt. Cash Payments Payment in cash will ensure immediate crediting of your account.   Bank Payments You may pay your bills at any local branch of Merchant Bank, CAL bank and Ecobank branch nationwide. (From time to time, you can also pay at any of the banks appointed by Ghana Telecom.)   Payment by Cheque/Payment Order Cheques should be made payable to ‘GHANA TELECOMMUNICATIONS COMPANY LIMITED’ or ‘GHANA TELECOM’ and crossed 'Account Payee only'.  Please ensure that your Account Name, Account Number and Phone number are written on the reverse of your Cheque/Payment Order. Presentation of a cheque that is subsequently dishonoured will result in immediate disconnection.   Payment Period Payments should be made within 21 days of the bill date.   Billing Period Customers are billed for a particular Billing cycle.  Any input not refleced in a particular billing cycle will reflect in the subsequent cycle.   Disconnection Service will be disconnected if the customer does not pay within 21 days of the bill date. Settlement attempted by presentation of cheques subsequntly dishonoured will result in immediate disconnection.   Reconnection In the event of disconnection, full payment for this account will be required before restoration of service.   Incentives Ghana Telecom will from time to time give incentives to customers who regularly pay their bills on time.   Adjustment An adjustment will be made whenever necessary in the next billing period should any additions or deductions occur after bill payment.   Complaints To facilitate quick resolution of billing complaints, customers are advised to lodge their complaints within 21 days of a bill at their respective Care4U centre (formerly Customer Service Point).   Telephone Calls Charging for telephone calls will depend on the time at which the call is made, and the type of call that is made.   Rate Type N = Normal rate (6.00 a.m. - 6.00 p.m.) R = Reduced rate (6.00 p.m. - 6.00 a.m.) D = Discount rate (applicable from time to time)   Call Type IO  =   International Operator Assisted IS   =   International Self Dialled TO =   National Operator Assisted TS  =   National Self Dialled   Deposits May be required for particular types of service.      Please click on the different sections on the bill to read the explanation.