MTN MoMo integration
Take mobile-money payments in any service.
Send an MTN MoMo payment prompt to the customer’s phone from a chat, a call, a USSD menu or a workflow. They approve it with their PIN, and the money goes straight to your account.
- Works as
- Action
- Markets
- Ghana, Uganda, Zambia, Cameroon and Côte d’Ivoire, through MTN’s MoMo developer platform.
- Connect with
- Your own MoMo collection keys: API user, API key and subscription key.
- Test first
- MTN’s sandbox, before any real money moves.
Four ways to use it
Wherever the customer is.
In a chat
A MoMo prompt reaches the customer’s phone while the chat waits, and the flow carries on as paid or failed.
On a call
The caller approves the prompt while the call waits, then hears what happens next.
From a USSD menu
The prompt reaches the phone as the session ends, because a USSD session can’t wait for a payment.
In a workflow
Ask for a payment when a form is sent or a record changes, and wait for it to clear before the next step.
What teams build
Payments inside the services people already use.
Take a permit fee from a USSD menu; the MoMo prompt arrives as the session ends.
Government
Collect the registration fee by MoMo when the form is sent, and add each paid registration to a Google Sheet.
Government
Take a booking deposit in a WhatsApp chat, and confirm the booking once it clears.
Enterprise
Take a bill payment on a call while the line stays open.
Enterprise
Record every payment and its outcome in a data store your finance team can export.
NGOs
Once a month, send each member of a savings group a MoMo prompt for their contribution.
NGOs
In MTN MoMo
What a MoMo payment step does.
One step, the same in every kind of flow.
- Currencies
- GHS, UGX, ZMW, XAF and XOF; EUR in MTN’s sandbox.
- Paid or failed
- The flow takes a paid or a failed path, so every outcome has a next step.
- Waiting
- Chats, calls and workflows wait for the payment to clear; a USSD menu sends the prompt as the session ends.
- Your money
- Payments go to your own MoMo collection account. Buni.ai never holds the funds.
Connecting it
Taking payments in four steps.
- STEP 01
Get your MoMo keys
Subscribe to collections on MTN’s MoMo developer platform and create an API user.
- STEP 02
Save them in Buni.ai
Add the API user, API key and subscription key as credentials in your workspace.
- STEP 03
Add a payment step
Choose MTN Mobile Money, the amount and the currency, and connect the paid and failed paths.
- STEP 04
Test, then go live
Try it with MTN’s sandbox, then switch to your live keys and publish.
Questions
Before you take a payment.
Which countries?
Ghana, Uganda, Zambia, Cameroon and Côte d’Ivoire — the markets MTN’s MoMo developer platform serves.
Does a USSD menu wait for the payment?
No. A USSD session can’t stay open while someone approves a payment, so the prompt reaches the phone as the session ends.
Where does the money go?
Straight to your own MoMo collection account. Buni.ai never holds the funds.
Can people pay by card instead?
Yes. Paystack, Flutterwave and Stripe send a secure checkout link, so card details never pass through a chat or a call.
Works well with
An M-Pesa prompt on the customer’s phone in Kenya, from a chat, a call, a USSD menu or a workflow.
Hosted checkout links, and charges to a card the customer has saved.
Hosted checkout links, and charges to a card the customer has saved.
Checkout links, customers, payments and subscriptions — and payment events that start workflows.
Take payments where your people are.
Tell us what you need to collect, and we’ll show you the flow working with MoMo.