How do I accept MTN MoMo payments?

MTN MoMo supports multiple countries beyond UEMOA. Use hosted checkout unless you need POST /charge/mtn.

Direct charge essentials

Pass phone_number in E.164 format (e.g. +2250700000000).
Pass countryCode (ISO 3166-1 alpha-2) when the payer is outside CI-default is CI.
Live: response status is PENDING until the customer approves on their phone.
Test: with a test API key, status may be completed immediately.

See Charges API: MTN.

Supported countries

Full dial-prefix and MTN environment table: Payment channels.

Sandbox MSISDN patterns and test behavior: Sandbox payments: MTN.

Verify before fulfill

Live MTN flows are asynchronous. Poll GET /transactions/{id} or use webhooks; see Verify payments.

Refunds

Live MTN refunds require the original payment’s provider reference and may use the Disbursement API asynchronously. Test refunds are ledger-only. See Refunds.

MTN MoMo developer portal
Mobile money
Direct charges