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Hey everyone! I’m working on an application what will have an integration with MTN MoMo API, and I’m trying to wrap head around how Mobile Money works. I’m not from Africa and I can’t find some ready good source about the topic, so I hope my questions will be answered here.

  1. Can users of MoMo operate their account and transfers both via mobile app and USSD. If it is possible to work with MoMo only via USSD, is there a documentation about it?
  2. Is it possible to transfer money to the person who is not a customer of MTN MoMo (perhaps just using MTN as their operator), or all transactions happens between MTN MoMo clients only?
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