MTN GHS

Overview:
MTN Mobile Money (MoMo) in Ghana enables fast and secure pay-ins and payouts directly through an MTN mobile wallet. Users can make payments for goods and services or fund transactions via USSD, the MoMo app, or merchant codes, with all transactions authorized by PIN and confirmed instantly.

Payin

Required Fields:

Field	Type	Requirement Level	Description
amount	number	Required	Amount in the local currency
currency	string	Required	GHS
method_code	string	Required	"MTN_GHS"
wallet.id	string	Required	Customer momo account number
reference	string	Required	Merchant reference
metadata	object	Optional	Merchant metadata
customer.first_name	string	Required	Customer's first name
customer.last_name	string	Required	Customer's last name
customer.email	string	Required	Customer's email address
customer.phone	string	Required	Customer's phone number
customer.address	string	Optional	Customer's address
customer.city	string	Optional	Customer's city
customer.state	string	Optional	Customer's state
customer.zip	string	Optional	Customer's zipcode
customer.country	string	Required	Customer's country (iso2)
webhook_url	string	Optional	HTTPS URL for payin notifications
callback_url	string	Optional	HTTPS URL for payment redirection
ip_address	string	Required	Sever's IP Address

Sample Payload:

JSON

{
  "amount": 100,
  "currency": "GHS",
  "method_code": "MTN_GHS",
  "wallet": {
    "if": "255XXXXXXXXX",
  },
  "reference": "INV-2025-001",
  "metadata": {
    "user_id": "user1234"
  },
  "webhook_url": "https://yourwebsite.com/webhook",
  "customer": {
    "first_name": "Firstname",
    "last_name": "Last Name",
		"phone": "[phone]",
    "address": "No 2, Green Median Str",
  },
	"ip_address": "0.0.0.0
}

Payout

Required Fields:

Field	Type	Requirement Level	Description
amount	number	Required	Amount in the local currency
currency	string	Required	GHS
method_code	string	Required	"MOBILE_MONEY_GHS"
recipient.wallet_uid	string	Required	Recipient’s mobile number
recipient.full_name	string	Required	Recipient’s full name
bank.code	string	Required	Recipient’s Bank code
reference	string	Required	Merchant reference
metadata	object	Optional	Merchant metadata
webhook_url	string	Optional	HTTPS URL for notifications
sender.full_name	string	Optional	Sender's full name
sender.address	string	Optional	Sender's address
sender.phone	string	Optional	Sender's phone number

Sample Payload:

JSON

{
  "amount": 100,
  "currency": "GHS",
  "method_code": "MOBILE_MONEY_GHS",
  "recipient": {
    "wallet_uid": "255XXXXXXXXX",
    "full_name": "Firstname Surname",
  },
  "bank": {
			"code": "90001",
  },
  "reference": "INV-2025-001",
  "metadata": {
    "internal_id": "user1234"
  },
  "webhook_url": "https://yourwebsite.com/webhook",
  "sender": {
    "full_name": "Firstname Surname",
    "address": "No 2, Green Median Str"
  }
}