MoMo API Production Q&A

I'm building a marketplace-style platform where a payment is collected upfront but shouldn't be paid out immediately — it needs to be held and only released to the recipient once the payer approves a completed stage of work, which could be a few days after collection.Is there any native support in the Collections/Disbursements APIs for a conditional or delayed release like this, or is holding funds purely something I'd need to handle in my own backend — i.e., collect immediately via the Collections API, hold the amount in my own ledger, and only call Disbursements once the stage is approved? Trying to understand where the boundary is between what the API handles and what has to live entirely on my side. Any guidance appreciated.

Hello MTN MoMo Team,I am developing Amasampo Palletmarket, an online marketplace operating in Zambia where sellers can list products and buyers can find and purchase items.I would like to integrate MTN MoMo so that our website can receive real payments, including seller subscription/listing fees and potentially customer payments.I have already created an MTN MoMo Developer account and I am interested in the Collections API or Collection Widget for Zambia.I would like guidance on the requirements for going live in Zambia. In particular:Can an individual or sole proprietor apply for production access, or must the business first be formally registered?What KYC documents are required in Zambia?Do I need an MTN MoMo merchant/business wallet for Collections?I currently have an MTN MoMo agent line. Can this line be used for API Collections, or will I need a separate merchant/business MoMo account?Which product should I apply for if I want customers to make payments directly from their MTN MoM

Hello,My name is Nana, and I’m working on a POS platform for businesses in Ghana.We are currently integrating Mobile Money payments into Tabworthy through a payment provider (Paystack), and we have encountered a customer authentication flow that we'd like to understand directly from MTN.The current flow for an MTN customer making their first MoMo payment through our application is: The customer provides their MTN phone number. We initiate the Mobile Money payment. MTN sends a 6-digit code to the customer's phone. The customer has to provide that 6-digit code to the merchant/cashier. The code is entered into the payment flow. The customer then receives the normal MTN MoMo prompt and enters their MoMo PIN. The payment is completed. Interestingly, after the customer completes this process once, subsequent payments do not appear to require the 6-digit code again.Our payment provider has confirmed that this 6-digit code is generated and controlled by MTN and that they cannot byp

Hello,I’m writing this topic because we have successfully completed the integration and sandbox testing of the MTN MoMo Collections API into Equinox, our SaaS invoicing and payment platform : equinox.passerel.caSeveral customers are waiting for us to enable MTN Mobile Money payments in production.Cabinet Passerel, the company operating Equinox, is incorporated in Canada. During the Go-Live process for Benin, we noticed that the onboarding documents request local information such as an IFU, physical address and other Benin-specific company documentation.Can a Canadian company obtain production access to the MTN MoMo Collections API for Benin, or is a locally registered entity/establishment required ?Our technical integration is already complete and working successfully in the sandbox.Best regards,

Hello, I am a developer in Uganda building a Flutter web/mobile application called Walking With Christ. I already have an MTN MoMo merchant code and would like to integrate the MoMo API Get Paid/Collections service.When I go to the MoMo API developer portal and click “Sign up with MoMo API,” I am redirected to momoapi.mtn.com/signup, which returns Error 404.Please advise how I can create a new MoMo API developer account and obtain sandbox access for Uganda.

Hello, I am a developer in Uganda building a Flutter web/mobile application called Walking With Christ. I already have an MTN MoMo merchant code and would like to integrate the MoMo API Get Paid/Collections service.When I go to the MoMo API developer portal and click “Sign up with MoMo API,” I am redirected to momoapi.mtn.com/signup, which returns Error 404.Please advise how I can create a new MoMo API developer account and obtain sandbox access for Uganda.

Hello, How can I get API keys for get Paid (Collections | Enable remote collection of bills, fees or taxes.) of production?

im a developer i need help

Hello,I’m ready to proceed live with the application; however, I am experiencing an issue uploading the required documents. The submission portal only allows uploads up to 10MB, while the total size of the required documents is approximately 22MB.Could you please advise on how I should submit the application and supporting documents for approval? For example, should I: submit the documents in multiple batches, compress the files, or send them via email or another upload method? Thank you, and I look forward to your guidance.Kind regards,Queen 

Alright guys,If anyone is in the momo developers community WhatsApp group Kindly just comment below/ comment your number/ admin add it on each section respectively to each country I think this will help many , if we can join in real group conversation/support, Guys like and keep this pinned 🫡if you found this good

Hi team,Very Urgent. Kindly assist with your KYC API Service Production Keys. Please Provide reference document for the KYC APi service. warm regards. 

Dear MTN Mobile Money Team, I hope you are doing well. My name is Maurice, and I am the founder of Bank of West Africa (BWA), a digital-first financial platform currently in the process of integrating with the MTN MoMo Open API for collections, disbursement, and remittance services. We are excited about the opportunity to partner with MTN Mobile Money and bring enhanced financial access across West Africa. However, while reviewing the onboarding documentation and requirements, we encountered a few areas where the current forms and questionnaires appear to be structured primarily for traditional merchants, agents, or remittance operators. Bank of West Africa operates as a fintech platform offering: - Digital banking services- Mobile wallet infrastructure- QR code payments- Virtual cards- Remittance and cross-border transactions- Bill payments and mobile top-ups- Installment-based financial services As such, some sections of the Merchant Application Form, KYC requirements, and AML questi

Hi Team,I am currently developing a recurring payment solution using the MoMo API (Ghana environment) and would like to clarify the expected behavior for pre-approval mandates to ensure a smooth user experience.1. Renewing Active Mandates:If an MSISDN already has an active pre-approval mandate, what happens if a second POST /preapproval request is sent to that same number before the current one expires?Does the new request overwrite the existing one and reset the validityTime? Does it return a PREAPPROVAL_EXIST_PENDING error even if the previous mandate is already in a SUCCESSFUL state? Is there a recommended way to "extend" a mandate without requiring the customer to perform a fresh approval?2. Maximum validityTime Constraints:Regarding the validityTime parameter in the POST /preapproval payload:What is the maximum allowable value (in seconds) for this field in the Ghana Production environment? Are there platform or regulatory caps (e.g., 365 days) that would cause a validation error

Dear MTN MoMo Developers Team,I amSoftware Engineering student currently developing a Django-based web application that requires real-time MTN MoMo payment integration.I am writing to respectfully seek your technical guidance and support regarding the proper implementation of MTN MoMo APIs within my project. Specifically, I would like assistance with configuring secure API authentication, handling payment request callbacks (webhooks), and ensuring real-time transaction verification within a Django backend environment.My goal is to implement a robust and production-ready integration that complies fully with MTN MoMo developer standards and security requirements. I have reviewed the available developer documentation, but I would greatly appreciate clarification and best-practice recommendations, particularly concerning sandbox testing, callback URL configuration, and transaction status confirmation.Kindly let me know if there are recommended resources, SDKs, sample Django implementations

Our development team requires specialized technical guidance for MTN MoMo platform integration and mobile money solution development. We're searching for an experienced consultant available for 1-2 weeks to assist with:Architecting comprehensive mobile money workflows and payment processing systems Implementing secure API authentication, user management, and transaction handling Building scalable financial service solutions with robust testing and validation procedures Developing integration strategies for collection, disbursement, and remittance capabilities Providing technical coaching on implementation best practices and production deploymentPrior experience with MTN MoMo API development, mobile payment platforms.

Issue 1: Cannot Create New Pre-Approval After ExpiryDescription:After a pre-approval mandate expires, attempts to create a new pre-approval for the same MSISDN consistently fail.Steps to Reproduce:Create a pre-approval mandate for an MSISDN.Allow the pre-approval to expire.Attempt to create a new pre-approval mandate for the same MSISDN.Actual Result:The request fails with the following response:{  "message": "Preapproval already exist and is in pending state",  "code": "PREAPPROVAL_EXIST_PENDING"}Despite this, the MSISDN holder still receives an STK Push to approve the transaction,when a normal request to pay is initiated on the MSISDN which suggests the previous pre-approval is no longer active.Expected Result:Once a pre-approval has expired, the system should allow the creation of a new pre-approval mandate for the same MSISDN.Issue 2: Get Approved Pre-Approvals Endpoint Not SupportedDescription:The Get Approved Pre-Approvals API is not supported in the Ghana target environment.Step

i am using both stripe and momo in my web app.I have dollar currency of my platform.i am wondering if i convert the currency to local one based on users location on my end.it will be less reliable.DOES Momo supports the dollar currecny and convert it on its own.or what to do. 

I want to create an MTN MOMO merchant account. Who can help 

Hello all, I would like to know how can I send a credit or package for communication to a customer, via MoMo API routes. What can be the process and what are different identifications required on that. The SIM card which makes the operation is a merchant one. Can you help me please

Below is for live testing URL :: https://proxy.momoapi.mtn.com/v1_0/apiuserheaders :: {X-Reference-Id: id, Ocp-Apim-Subscription-Key: key, Content-Type: application/json}body :: {providerCallbackHost: https://dulu.cm/success}apiuserAPI :: 404 :: { "statusCode": 404, "message": "Resource not found" }

I'm having trouble signing in to my account. Although the sign-in process appears to be successful, I'm not being redirected to my dashboard afterward. 

I am an owner developer, i have sent my documentation but there is no way to get feedbackcan some one help me with a contact and feedback protocolsthanksK. Baah

I'm trying to integrate the MTN MoMo Disbursement API in my Laravel app to generate an access token. However, when switching to the live environment, I receive the following error:"statusCode": 401, "message": "Access denied due to invalid subscription key. Make sure to provide a valid key for an active subscription."

I need this keys please someone help me how to fine them am new

So I want to use Collections and Disbursement APIs. I want to include them in my School Data Management System(SDMS) in Uganda. And my Question is, I have several schools Using my System, So the parents will be paying School Fees directly through the System. Should that money first go through my phone (Using the Collections API) such that i pick my commission and there after my phone sends it to the respective Schools (Using Disbursement). I really need to know how am going to handle this.Someone guide me on what is required.