What kind of platform Pinduoduo is
Pinduoduo is built around group buying and value pricing, and is used heavily inside China for household goods, clothing and general merchandise. Prices are in RMB and settlement runs through Chinese payment systems, so an overseas card is often the point at which a purchase stalls.
As with other Chinese marketplaces, the answer is a payment route built for RMB rather than a checkout built for domestic cards.
Why consolidation matters more here
Pinduoduo orders are frequently modest in value. That makes the cost of shipping and handling proportionally larger, which is why many international buyers use an agent who consolidates several purchases before dispatching them.
Consolidating also simplifies payment. One transaction funding an agent for a batch of items is easier to track than five small payments, provided you note which items the payment covers.
Collecting the right details
For a direct seller payment you need the exact RMB amount, their name as it appears on the receiving account, the account type, the account details or wallet identifier, and a QR code where used. For an agent, the same details apply, plus a note of which items the payment is funding.
Where shipping is billed separately, treat it as its own payment. Combining a purchase and a freight charge in one transfer makes a later question about either one harder to answer.
Running the payment
Start the transaction with the RMB amount, add the recipient details, choose your funding method and submit. Pay your Ghana Cedis side with the transaction reference you are given, and follow the status in your dashboard through to delivery.
Keep the reference with the item list until the order is complete and checked. When the goods arrive, that record is what settles any question about what was paid for.