Ghana Mobile Money

Collect GHS payments directly from your customers' mobile money wallets in Ghana.

📘

At a glance

• Endpoint: POST https://api.flutterwave.com/v3/charges?type=mobile_money_ghana
• Currency: GHS
• Supported networks: MTN, Telecel, AIRTEL
• Flow: Initiate charge → Redirect customer to authorize → Receive webhook → Verify transaction
• Test mode: Payments are authorized automatically after a few seconds.

Before you begin

Make sure you have:

• Your secret key from the Flutterwave dashboard.
• A webhook URL configured, so you can be notified when the payment completes.

How it works

1. You initiate the charge. Send the customer's phone number, network, and payment details to the charge endpoint.
2. You redirect the customer. The response contains a URL where the customer authorizes the payment.
3. The customer approves the payment. They enter an OTP on the checkout page, then approve the prompt on their phone with their mobile money PIN.
4. Flutterwave notifies you. You receive a charge.completed webhook.
5. You verify the transaction before giving value to the customer.

Step 1: Initiate the charge

Send a POST request to the charge endpoint with type=mobile_money_ghana.

Request parameters

For the full list of parameters, see the endpoint reference.

Example request

curl --request POST \
  --url 'https://api.flutterwave.com/v3/charges?type=mobile_money_ghana' \
  --header 'Authorization: Bearer YOUR_SECRET_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "tx_ref": "REF-GH-0001",
    "amount": 1500,
    "currency": "GHS",
    "country": "GH",
    "email": "[email protected]",
    "phone_number": "054709929220",
    "network": "MTN"
  }'

// Install with: npm i flutterwave-node-v3

const Flutterwave = require('flutterwave-node-v3');
const flw = new Flutterwave(process.env.FLW_PUBLIC_KEY, process.env.FLW_SECRET_KEY);

const payload = {
  tx_ref: `REF-GH-${Date.now()}`,
  amount: 1500,
  currency: 'GHS',
  country: 'GH',
  email: '[email protected]',
  phone_number: '054709929220',
  network: 'MTN',
};

flw.MobileMoney.ghana(payload)
  .then((response) => console.log(response))
  .catch((error) => console.error(error));

<?php
// Install with: composer require flutterwavedev/flutterwave-v3
// Set FLW_PUBLIC_KEY and FLW_SECRET_KEY as environment variables.

$mobileMoneyService = new \Flutterwave\MobileMoney();

$payload = [
    "type"         => "mobile_money_ghana",
    "tx_ref"       => "REF-GH-" . uniqid(),
    "amount"       => 1500,
    "currency"     => "GHS",
    "country"      => "GH",
    "email"        => "[email protected]",
    "phone_number" => "054709929220",
    "network"      => "MTN",
];

$response = $mobileMoneyService->mobilemoney($payload);
print_r($response);

# Install with: gem install flutterwave_sdk

require 'flutterwave_sdk'

flw = Flutterwave.new(ENV["FLW_PUBLIC_KEY"], ENV["FLW_SECRET_KEY"], ENV["FLW_ENCRYPTION_KEY"])
charge = MobileMoney.new(flw)

payload = {
  tx_ref: "REF-GH-#{Time.now.to_i}",
  amount: 1500,
  currency: "GHS",
  country: "GH",
  email: "[email protected]",
  phone_number: "054709929220",
  network: "MTN"
}

response = charge.initiate_charge(payload)
puts response

Step 2: Redirect the customer to authorize

A successful request returns status: "success" and a meta.authorization object.

{
  "status": "success",
  "message": "Charge initiated",
  "meta": {
    "authorization": {
      "mode": "redirect",
      "redirect": "https://checkout.flutterwave.com/captcha/verify/lang-en/3441:877713af5525b0668a8a7018727a9a83"
    }
  }
}

⚠️

Important: A success status here means the charge was initiated, not paid. Do not give value to the customer at this point.

Step 3: The customer completes the payment

This step happens between the customer, the Flutterwave checkout page, and their mobile money provider. You don't need to call any API here. The screens below show what your customer sees, so you can describe the flow in your own UI or support content.

3.1 Enter the OTP

The checkout page asks the customer for a one-time password (OTP). Flutterwave sends this OTP to the customer's phone by SMS and WhatsApp.

3.2 Wait for the approval prompt

After the OTP is accepted, the page shows Complete Payment with a loading indicator. The customer's mobile money provider sends a push prompt to their phone.

If the customer doesn't receive the prompt, the page lists the steps to approve the payment manually from their phone's USSD menu.

3.3 Approve on the phone

On their phone, the customer:

1. Sees a prompt showing the amount and Flutterwave Technology Solutions Limited as the recipient, and enters their mobile money PIN.

2. Confirms the transaction by choosing 1) Yes.

3. Receives a confirmation message from their provider.

   

3.4 See the result

The checkout page updates automatically and shows the final status.

⚠️

Important: The success page is for the customer only. Your system should still wait for the webhook (Step 4) and verify the transaction (Step 5) before giving value.

🧪

Testing tip: In Test Mode, Ghana mobile money payments are authorized automatically after a few seconds. You won't see the OTP or phone prompts.

Step 4: Receive the webhook

When the payment completes, Flutterwave sends a charge.completed event to your webhook URL.

{
  "event": "charge.completed",
  "data": {
    "id": 2073992,
    "tx_ref": "REF-GH-0001",
    "flw_ref": "flwm3s4m0c1620380894041",
    "device_fingerprint": "N/A",
    "amount": 1500,
    "currency": "GHS",
    "charged_amount": 1500,
    "app_fee": 43.5,
    "merchant_fee": 0,
    "processor_response": "Approved",
    "auth_model": "MOBILEMONEY",
    "ip": "::ffff:10.30.86.54",
    "narration": "MerchantName",
    "status": "successful",
    "payment_type": "mobilemoneygh",
    "created_at": "2021-05-07T09:48:13.000Z",
    "account_id": 732559,
    "meta": null,
    "customer": {
      "id": 841600,
      "name": "Anonymous Customer",
      "phone_number": "054709929220",
      "email": "[email protected]",
      "created_at": "2021-05-07T09:48:13.000Z"
    }
  }
}

Step 5: Verify the transaction

Never rely on the webhook payload alone. Before giving value, call the verify transaction endpoint with data.id from the webhook and confirm that:

• status is successful
• tx_ref matches the reference you generated in Step 1
• amount and currency match what you expected to charge

Only then should you credit the customer or fulfil the order.

Next steps

• Transaction verification
• Testing mobile money
• Charge via Ghana Mobile Money: API reference