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Wallets · On request

MTN MoMo

MTN MoMo is the mobile money service of MTN Group, Africa's largest mobile operator: a wallet tied to the phone number, funded at agents or from a bank and usable with or without a bank account. At checkout the payer gets a prompt on the phone and confirms with a MoMo PIN; the provider confirms within seconds, and there are no chargebacks.

Enable via Tranzify See providers

Key facts

Countries
GhanaNigeria
Currencies
GHS, NGN
Operations
Pay-in · Payout
Settlement
instant
Chargebacks
not possible

How a payment goes through

  1. 1The checkout opens the wallet app or shows its button
  2. 2The payer confirms in the app with a PIN or biometrics
  3. 3The wallet confirms the payment to the provider within seconds
  4. 4Webhook to the merchant; a refund goes back the same way

How a payment goes through

  1. The checkout asks for the payer’s MoMo number and sends the request to the provider.
  2. The payer receives a prompt on the phone and confirms the amount with the MoMo PIN.
  3. The provider confirms the debit within seconds; an unanswered prompt expires and the payment fails.
  4. Tranzify writes the result and calls the merchant’s webhook.

MTN MoMo against cards

MTN Mobile Money has run in Ghana since 2009; in Nigeria it operates under MoMo Payment Service Bank, licensed by the Central Bank of Nigeria in 2022. In the catalogue the method is enabled on a client’s request.

MTN MoMo Cards
Who runs it MTN Group’s mobile money service Visa and Mastercard through local acquirers
Confirmation seconds, by PIN on the phone seconds, with 3-D Secure
Chargebacks none scheme rules
Limits per wallet KYC tier, set by the operator and the regulator per card
Payouts yes, to a MoMo number limited

Payouts and refunds

Payouts: yes, to any MoMo number in Ghana or Nigeria, in cedis or naira, through the same providers. Refunds: no, the flow has no refund operation; a return to the payer is a separate payout by the client. Recurring: no.

Who uses it

E-commerce and retail, delivery and on-demand services, digital goods and gaming, iGaming and betting: many payers in both markets have a mobile wallet long before a card.

How to connect

  1. 1Onboard with Tranzify and get your network, keys and back office.
  2. 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
  3. 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
  4. 4Go live. Every payment, callback and retry is in the journal for five years.

Providers offering this method

F Flutterwave 4 methods · KE, TZ, NG, GH On request P Paystack 4 methods · KE, NG, GH On request

Industries

E-commerce & retailDigital goods & gamingDelivery & on-demandiGaming & betting

Terms

Mobile money

Frequently asked questions

Does the payer need a bank account?+
No. A MoMo wallet is linked to the phone number; the payer confirms with a PIN on any handset, including a basic phone over USSD.
Are payouts possible?+
Yes. A payout goes to the recipient’s MoMo number through Flutterwave or Paystack; refunds and recurring charges are not part of the flow.
Who is the licensed party?+
In Ghana and Nigeria the platform runs under the licensed client’s registration; the licensed local provider, Flutterwave or Paystack, performs the intermediation, and Tranzify supplies the software.

Related methods

M- M-Pesa Wallets · 2 countries On request

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