Setting Up MTN Mobile Money

You need an MTN MoMo merchant account and API credentials from the MTN MoMo Developer Portal. Register your business on the portal, create an API user, and generate your subscription key. MTN operates MoMo across multiple African markets — Ghana, Uganda, Cameroon, Rwanda, Zambia, and others. Ensure your account is activated for the country you operate in.

Go to POS > Settings > Payments > Add Payment Method. Select MTN MoMo. Enter your API user ID, API key, and subscription key. Select your country — this determines the correct API endpoint. Click Test Connection to verify. Once connected, MTN MoMo appears as a payment option at checkout alongside your other methods.

At checkout, select MTN MoMo. Enter the customer's MTN phone number. The system sends a payment request to the customer's phone. They approve with their MoMo PIN. Confirmation arrives in the POS within 10-20 seconds. The receipt shows the MoMo transaction reference. If the customer does not have sufficient balance, the request fails and you can choose an alternative payment method.

If you operate in multiple MTN markets — for example Ghana and Uganda — set up separate payment methods for each country with their respective API credentials. Each payment method uses the correct currency automatically: GHS for Ghana, UGX for Uganda. Reporting breaks down by payment method so you can see mobile money volume per country.