MTN MoMo, wired into your product
Direct integration with MTN Mobile Money Open API — collections, disbursements, transaction status, and signed webhooks. Production-grade for businesses processing real volume in UGX, built by the team behind DGateway.
What you get
Production-grade by default
Collections & disbursements
Take MoMo payments from customers (collections) and pay out salaries, refunds, supplier invoices (disbursements) through one signed API.
Signed webhooks + retries
HMAC-signed webhook payloads, automatic retry on delivery failure, and idempotency keys so a single transaction never gets counted twice.
Production-grade security
OAuth 2.0 token rotation, AES-256 at rest, secrets in a vault (never in env files), and full audit logging for compliance.
Sandbox → production handover
We run the full integration in MTN's sandbox first, then flip the production switch only when reconciliation is clean. Zero downtime cut-over.
Real-time transaction status
Customer sees the right state on every screen — pending, succeeded, failed — without polling. Webhook-driven UI updates via WebSockets or SSE.
Reconciliation & audit reporting
Daily reconciliation against MTN's settlement report, mismatches flagged automatically, and a clean ledger for your accountant.
Real use cases
What teams actually build with this
E-commerce checkout
Add MTN MoMo as a payment option to your online store. Customer pays in-app, you get the webhook, order is fulfilled.
Loan disbursement
Pay approved loans directly to borrower MoMo wallets. Bulk payouts with per-transaction status tracking.
Subscription billing
Recurring monthly or weekly charges with retry logic, dunning emails, and graceful failure handling.
ISP / hotspot top-ups
Customer buys data via MoMo, RouterOS auto-provisions the voucher. Live in production on Connect-ISP.
School fees & fundraising
Parents pay school fees via MoMo with reference numbers tied to student records. Receipts via SMS or email.
P2P transfers inside your app
Move money between users in your app — gig economy payouts, donation platforms, marketplace splits.
Live work
Where this integration ships in production
DGateway
The unified MTN MoMo + Airtel Money API powering 250+ apps. Production volume settled weekly.
Connect-ISP
Hotspot platform with MoMo-driven voucher purchase and auto-provisioning via MikroTik RouterOS.
Kayula Motors
Integrated MoMo repayments for motor-vehicle loans with automated SMS reminders.
How we ship it
From kickoff to production
Typical timeline: 1–2 weeks from contract to live integration.
- 01
Scope & sandbox setup
We model your money flow — collections, disbursements, reversals — and stand up the MTN sandbox accounts. You see working test transactions in week 1.
- 02
Build & integrate
Backend integration, webhook handler, idempotency layer, reconciliation job, and admin dashboard. All wired into your existing product.
- 03
Merchant onboarding
We submit the merchant application with MTN, handle technical paperwork, and prep your team for the compliance interview.
- 04
Production cut-over
We run sandbox + production in parallel for 48 hours, reconcile both, then flip the switch. Zero downtime, zero lost transactions.
- 05
Monitor & support
First 30 days, we monitor every transaction. After that, you own the system with full documentation and our support retainer if you want it.
Providers supported
Tested against the rails Ugandan businesses run on
Don't see your provider? We've wired into custom and legacy systems before — tell us the docs URL and we'll scope it.
Pricing in UGX
Implementation package
1–2 weeks typical delivery · per-milestone billing
- Direct MTN MoMo Open API integration
- Collections + disbursements + status checks
- HMAC-signed webhook handler with retries
- Idempotency keys + transaction ledger
- OAuth 2.0 token rotation
- Sandbox + production environments
- Admin dashboard for ops + reconciliation
- 30-day post-launch monitoring
- Full source code + documentation
FAQ
Answered honestly
Do you integrate directly with MTN MoMo, or via an aggregator?
Both. Direct MTN MoMo Open API is best when you want margin on every transaction and have the volume to justify the merchant-onboarding overhead. Aggregators like Flutterwave or DGateway are best when you want both MTN and Airtel from one SDK with no MTN paperwork. We'll recommend the path that fits your business in the first scope call.
How long does MTN merchant onboarding take?
MTN MoMo merchant code approval typically takes 2–4 weeks. We handle the technical paperwork (business profile, integration plan, sandbox testing) and prep you for the compliance interview. While that's in flight, we build and test against the sandbox so the day your code is live, the integration is live too.
What about transaction fees?
MTN MoMo charges 2.5%–3.5% per collection depending on the merchant agreement and volume tier. Disbursement fees are flat per transaction. We don't add a markup — what MTN charges is what you pay. We help you negotiate volume tiers once you have 30 days of real data.
Can you handle failed payments and refunds?
Yes. Our integration handles the full lifecycle: pending state during collection, signed webhook on success or failure, automatic retry with exponential backoff on transient failures, and a refund flow that survives partial network failures via idempotency keys. Every state change is logged to your database for audit.
Will the integration work offline or in low-network conditions?
Yes. Mobile money is core to East African commerce and breaks if you assume a perfect network. Our integration queues outbound requests, retries on failure with exponential backoff, and reconciles state against MTN's transaction-status endpoint on reconnection. Built specifically for Ugandan internet conditions.
Do you handle KYC / customer onboarding requirements?
MTN typically requires KYC at the wallet level (MTN does it when the SIM is registered), so most apps don't need to repeat it. If your business model needs additional KYC — micro-loans, larger limits, B2B settlements — we plug in Smile ID, NIRA partners, or Compuscan CRB checks alongside the MoMo flow.
Ready to ship this in your product?
Send a one-paragraph brief. You'll get a written quote in 48 hours — scoped, priced in UGX, with a clear handover plan.
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