Overview
MTN Mobile Money (MoMo) is MTN's mobile money platform across Africa – request-to-pay (Collections), transfer (Disbursements), and account balance/status. The Automize MTN MoMo connector covers these via the MTN Open API.
- Regions: MTN African footprint – Ghana, Uganda, Rwanda, Cameroon, Côte d'Ivoire, Benin, Zambia, Congo etc.
- Plans: Per-transaction commission. Sandbox free.
Setting up the connection
- momodeveloper.mtn.com → Subscribe to product (Collections OR Disbursements).
- Get Subscription Key + create API User + API Key per product.
- In Automize → Settings → Connectors → MTN MoMo. Paste subscription key + API user + API key + environment (sandbox or production).
Find your credentials at https://momodeveloper.mtn.com/.
Rate limits
Per-API-user, ~10 req/sec.
Data model
Two products:
Collections – request-to-pay (pull money from customer wallets)
Disbursements – transfer (push money to wallets)Available operations
10 operations available. Click any row to jump to its detail.
| Operation | Category | What it does |
|---|---|---|
| Get Basic User Info | Collections | Get the account holder's basic profile (for KYC) |
| Get Collection Balance | Collections | Get the balance of the Collections account |
| Get Request-to-Pay Status | Collections | Poll the status of a request-to-pay by reference ID |
| Is Collection Account Active | Collections | Check whether a given MSISDN/account is active |
| Request to Pay | Collections | Request payment from a consumer's MoMo wallet (Collections) |
| Disbursement Transfer | Disbursements | Transfer money from your Disbursements account to a wallet |
| Get Disbursement Balance | Disbursements | Get the balance of the Disbursements account |
| Get Disbursement Transfer Status | Disbursements | Poll the status of a disbursement transfer by reference ID |
| Get Remittance Transfer Status | Remittance | Poll the status of a remittance transfer |
| Remittance Transfer | Remittance | Cross-border remittance transfer |
Operations
Disbursement Transfer
Transfer money from your Disbursements account to a wallet
No input parameters.
Get Basic User Info
Get the account holder's basic profile (for KYC)
| Parameter | Required | Type | Description |
|---|---|---|---|
Msisdn msisdn | Yes | text |
Get Collection Balance
Get the balance of the Collections account
No input parameters.
Get Disbursement Balance
Get the balance of the Disbursements account
No input parameters.
Get Disbursement Transfer Status
Poll the status of a disbursement transfer by reference ID
| Parameter | Required | Type | Description |
|---|---|---|---|
Reference Id reference_id | Yes | text |
Get Remittance Transfer Status
Poll the status of a remittance transfer
| Parameter | Required | Type | Description |
|---|---|---|---|
Reference Id reference_id | Yes | text |
Get Request-to-Pay Status
Poll the status of a request-to-pay by reference ID
| Parameter | Required | Type | Description |
|---|---|---|---|
Reference Id reference_id | Yes | text |
Is Collection Account Active
Check whether a given MSISDN/account is active
| Parameter | Required | Type | Description |
|---|---|---|---|
Account Holder Id Type account_holder_id_type | Yes | text | |
Account Holder Id account_holder_id | Yes | text |
Remittance Transfer
Cross-border remittance transfer
No input parameters.
Request to Pay
Request payment from a consumer's MoMo wallet (Collections)
No input parameters.
Tips
- X-Reference-Id (UUID) + amount + currency + payer (MoMo number) + payerMessage + payeeNote.
- Returns immediately with 202. Poll Get Request-to-Pay Status for outcome.
FAQ
- Sandbox setup?
- MTN sandbox returns deterministic test outcomes based on the test phone number suffix (...46 = pending, ...47 = rejected, etc.). Real money flows only in production.
- Multiple countries?
- Each country has its own MoMo deployment. Separate API user/key per country/environment.