Wallets · On request
AT Money
AT Money is the mobile money service of AT, the Ghanaian mobile operator formerly known as AirtelTigo; until the rebranding the service was called AirtelTigo Money. It is a wallet tied to the phone number and funded at agents or from a bank: at checkout the payer gets a prompt on the phone and confirms with the PIN, the provider confirms within seconds, and there are no chargebacks.
Key facts
- Countries
- Ghana
- Currencies
- GHS
- Operations
- Pay-in · Payout · Refund
- Settlement
- instant
- Chargebacks
- not possible
How a payment goes through
- 1The checkout opens the wallet app or shows its button
- 2The payer confirms in the app with a PIN or biometrics
- 3The wallet confirms the payment to the provider within seconds
- 4Webhook to the merchant; a refund goes back the same way
How a payment goes through
- The checkout asks for the payer’s AT Money number and sends the request to the provider.
- The payer receives a prompt on the phone and confirms the amount with the PIN.
- The provider confirms the debit within seconds; an unanswered prompt expires and the payment fails.
- Tranzify writes the result and calls the merchant’s webhook.
AT Money against MTN MoMo and cards in Ghana
Ghana pays from the phone: most payers hold a mobile money wallet long before a card, and a checkout lists every network because a payer can only pay from the SIM they hold.
| AT Money | MTN MoMo | Cards | |
|---|---|---|---|
| Operator | AT, formerly AirtelTigo | MTN Ghana | Visa and Mastercard through local acquirers |
| Payer needs | a SIM with an AT Money wallet | a SIM with a MoMo wallet | a card |
| Confirmation | seconds, by PIN on the phone | seconds, by PIN on the phone | seconds, with 3-D Secure |
| Chargebacks | none | none | scheme rules |
| Payouts | yes, to a phone number | yes, to a phone number | limited |
Who uses it
E-commerce, delivery and digital goods, where the payer pays from whichever SIM they hold; iGaming for deposits and payouts to the phone. A client (a payment company) enables Flutterwave or Paystack for AT Money under its own contract; the integration is enabled on request. Refunds go back to the wallet through the same provider; recurring charges are not part of the method.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
On request — Request this integration
Industries
Frequently asked questions
Does the payer need a bank account?+
Are there chargebacks?+
Is AT Money available for payouts?+
Related methods
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