The MoMo Widget is a solution that enables a developer or partner to integrate a MoMoPay checkout button to accept Mobile Money payments on your e-commerce site.

Prerequires: Collection Widget

APIs Used: MoMoPay

Collections is a service that enables Mobile Money partners to receive payments for goods and services using MTN Mobile Money. The services can be face-to-face like MomoPay or can be done remotely for both offline and online. Payments can be customer-initiated on USSD/App/Web or Merchant-initiated where a customer is sent a debit request for approval.

Once the service is enabled, a Collections account is created for the partner to which funds are deposited/received. The partner is able to make onward payments to their suppliers/partners/employees (B2B or B2C) and/or liquidate the collected funds into their respective bank accounts.

The service offers the convenience of collection for online payments, bills, loan repayments, contribution to activities and installments to mutually agreed upon repayments of services and products. Examples of partners with bill collections are Umeme, National Water, URA, NSSF, DSTV to name but a few.

Prerequires: OAuth 2.0

APIs Used: ValidateAccountHolder, Balance, RequestToPay

Disbursements is a service that enables Mobile Money partners to send money in bulk to different recipients with just one click. This setup can be manually executed (logging into the system, uploading recipient's list and trigger payments) or automated (requires a one-time setup of the recipients' lists and commands to effect payment).

Examples of partners that use this service are: Betting companies to pay winners, Disbursements of funds to refugees/beneficiaries among others.

The expectation is that the partner opens a Disbursement account with MTN and this account is pre-funded to enable the payments once the requests come through from the partner.

Prerequires: OAuth 2.0

APIs Used: ValidateAccountHolder, Balance, Transfer

Remittances is a solution that enables a customer to transfer or receive funds from the diaspora to Mobile Money recipient's account in local currency. This is an automated solution where the money is transferred in real-time when the request hits the system (works in a similar way as the automated Disbursements solution).

The sender logs on the Web/App/USSD (USSD only for outbound) or visit the remitter’s point of sale to send money. A request is then sent to the local partner’s system that triggers a payment into the recipient’s wallet.

The partner is required to open an account with MTN and load funds on it to facilitate the transfer of funds (inbound and outbound).

Prerequires: OAuth 2.0

APIs Used: ValidateAccountHolder, Balance, Transfer