Payment option · Ghana

Accept MTN MoMo payments

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.

MTN MoMo at a glance

Countries
Ghana
Currencies
GHS
Mode
Manual
Buyer reference
Unique per order

What the buyer sees

The coordinates your checkout shows, with the exact field labels from the U.CASH Pay dashboard.

MTN MoMo numberthe ID buyers pay
Bank or provider nameyour bank or provider
Account holderthe receiving name

Plus a unique payment reference per order (B-XXXXXX) the buyer includes on the transfer; you match it in Payments with one click.

How to accept MTN MoMo payments

From signup to settled order.

Step 01

Create your checkout

Sign up at U.CASH Pay and create a checkout that offers MTN MoMo alongside cards and crypto.

Step 02

Publish your MoMo number

Enter the MTN MoMo number buyers should pay, with the account holder name.

Step 03

Buyer sends from MoMo

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.

Step 04

Confirm and settle

The cedis land in your wallet instantly. Match the reference in Payments and mark the order paid. Orders hold for 30 days.

Fees and settlement

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.

Currencies and countries

GHSGhana

Related payment options

M-Pesa

East Africa. Automatic and manual flows.

PIX

Brazil. Automatic and manual flows.

UPI

India. Automatic and manual flows.

MTN MoMo: FAQ

What is a MoMo number?
The phone-number wallet address of an MTN Mobile Money account. Buyers send cedis to it from the MoMo app or the USSD menu on any phone, smartphone or not.
How fast are MoMo payments?
Instant between MoMo wallets, around the clock. The buyer confirms with a PIN and the cedis move at once.
Do buyers need a smartphone?
No: MoMo works over USSD on any phone, which is exactly why it reaches where cards and bank apps do not.
Is this the same MoMo as Vietnam's MoMo wallet?
No. MTN MoMo is the mobile-money service of MTN, live in Ghana and across MTN's African markets. MoMo (momo.vn) is a separate Vietnamese e-wallet operated by M_Service, unrelated to MTN. This page covers the Ghanaian MTN service. Vietnam's MoMo wallet has its own page: /payments/momo-vietnam.
Get started

MTN MoMo, live in minutes

Offer it beside cards, crypto, and every other rail on one non-custodial checkout.