Accept MTN MoMo payments from the wallet most of Ghana already uses. Non-custodial checkout, reference-matched, live in minutes.
Runs on the same checkout as 56 crypto assets, the other bank rails, and cards. No processor account needed for the manual rail.
The coordinates your checkout shows, with the exact field labels from the U.CASH Pay dashboard.
Plus a unique payment reference per order (B-XXXXXX) the buyer includes on the transfer; you match it in Payments with one click.
From signup to settled order.
Sign up at U.CASH Pay and create a checkout that offers MTN MoMo alongside cards and crypto.
Enter the MTN MoMo number buyers should pay, with the account holder name.
The buyer opens the MoMo app or USSD menu, sends the invoice amount to your number, and confirms with their PIN, quoting the unique payment reference.
The cedis land in your wallet instantly. Match the reference in Payments and mark the order paid. Orders hold for 30 days.
U.CASH charges nothing on the MoMo rail. MTN's wallet fees for the sender, if any, show in the MoMo app before confirming. Settlement between MoMo wallets is instant. Orders hold for 30 days.
MTN MoMo runs as a manual rail: the buyer initiates the transfer against your published coordinates and includes the per-order payment reference, which is what makes the reconciliation one click rather than a hunt. Settlement lands in the rail's own window, which the fees and settlement section states; there is no processor in the middle to wait on. That directness is also the operational trade: the rail sees a plain transfer, so the reference discipline is what keeps reconciliation mechanical.
The currencies MTN MoMo settles, GHS, also exist on-chain where peg families trade: settle the same corridor as a token, non-custodial, final on confirmation, at network fees instead of rail fees. Buyers choose their rail; your ledger sees the same currency either way. The operational difference worth planning around is reversal: the crypto leg settles finally with no dispute window, which suits invoices and known customers, while the traditional rails keep the protections and processes their buyers expect.
East Africa. Automatic and manual flows.
Brazil. Automatic and manual flows.
India. Automatic and manual flows.
Offer it beside cards, crypto, and every other rail on one non-custodial checkout.