Accept mobile money payments

Mobile money is Ghana's dominant payment method, accounting for over 70% of digital transactions. This guide shows you how to accept payments from MTN, Telecel, and AirtelTigo wallets through a three-phase flow: create an order, confirm customer intent with an OTP, then wait for payment authorization.

Use MCP for mobile-money readiness and tracking

An authenticated AI agent can inspect enabled payment methods, create a mobile-money order after confirmation, and look up or render the order while payment progresses.

MCP tools: get_payment_method_settings, create_order, get_order or render_order_card

Confirmed MCP actions require explicit form confirmation before Inttegro changes state.

How it works

Mobile money payments can require more than one customer action. Create an order with execute_payment: true, inspect order.payment.next_action, and present the requested confirmation or authorization experience. After each action, use the returned order state to decide whether to wait, request confirmation, or consider the payment paid.

Supported networks

Inttegro integrates with all three major networks in Ghana: MTN Mobile Money (24M+ wallets), Telecel Cash (8M+ wallets), and AirtelTigo Money (6M+ wallets). Inttegro automatically routes transactions based on phone number prefix—no network-specific integration needed.

Step 1: create the order

Creating an order bundles the customer, payment method, and line items into one request. Setting execute_payment: true starts payment execution; the response tells you whether customer confirmation is required.

Create mobile money order

POST/orders/create

curl https://api.inttegro.com/orders/create \
  -H "Authorization: Bearer $INTTEGRO_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "request_meta": {
    "idempotency_key": "order_momo_2025_001"
  },
  "execute_payment": true,
  "customer_data": {
    "name": "Akosua Mensah",
    "email_address": "[email protected]",
    "phone_number": "+233244123456"
  },
  "payment_method_data": {
    "type": "mobile_money",
    "mobile_money": {
      "network": "mtn",
      "account_number": "0244123456"
    }
  },
  "line_items": [
    {
      "type": "product",
      "product": {
        "type": "digital",
        "name": "Premium Subscription - 1 Month",
        "quantity": 1,
        "price": {
          "currency": "ghs",
          "value": 5000
        }
      }
    }
  ]
}'

SDK versionv8.2.0

import * as Inttegro from '@inttegro/inttegro-sdk'

const inttegro = new Inttegro.InttegroClient({
  apiKey: process.env.INTTEGRO_API_KEY!,
})
const result = await inttegro.orders.create({
  requestMeta: {
    idempotencyKey: "order_momo_2025_001",
  },
  executePayment: true,
  customerData: {
    name: "Akosua Mensah",
    emailAddress: "[email protected]",
    phoneNumber: "+233244123456",
  },
  paymentMethodData: {
    type: Inttegro.PaymentMethodTypes.MobileMoney,
    mobileMoney: {
      network: Inttegro.MobileMoneyNetworks.MTN,
      accountNumber: "0244123456",
    },
  },
  lineItems: [
    {
      type: Inttegro.LineItemTypes.Product,
      product: {
        type: Inttegro.ProductTypes.Digital,
        name: "Premium Subscription - 1 Month",
        quantity: 1,
        price: {
          currency: "ghs",
          value: 5000,
        },
      },
    },
  ],
})

SDK versionv4.4.0

package main

import (
  "context"
  "log"
  "os"

  inttegro "github.com/zebodotdev/inttegro-sdk-go/v4"
  "github.com/zebodotdev/inttegro-sdk-go/v4/money"
  "github.com/zebodotdev/inttegro-sdk-go/v4/paymentmethods"
)

func main() {
  ctx := context.Background()
  client := inttegro.NewClient(os.Getenv("INTTEGRO_API_KEY"))

  params := inttegro.OrderCreateParams{
    RequestMeta: &inttegro.RequestMeta{
      IdempotencyKey: "order_momo_2025_001",
    },
    ExecutePayment: inttegro.Bool(true),
    CustomerData: &inttegro.CustomerData{
      Name: "Akosua Mensah",
      Email: "[email protected]",
      PhoneNumber: "+233244123456",
    },
    PaymentMethodData: &inttegro.PaymentMethodData{
      Type: inttegro.PaymentMethodTypeMobileMoney,
      MobileMoney: &inttegro.MobileMoneyParams{
        Network: paymentmethods.MobileMoneyNetworkMTN,
        AccountNumber: "0244123456",
      },
    },
    LineItems: []inttegro.OrderLineItemParams{
      {
        Type: inttegro.LineItemTypeProduct,
        Product: &inttegro.ProductLineItemParams{
          Type: inttegro.ProductTypeDigital,
          Name: "Premium Subscription - 1 Month",
          Quantity: 1,
          Price: inttegro.PriceParams{
            AmountParams: money.AmountParams{
              Currency: money.GHS,
              Value: 5000,
            },
          },
        },
      },
    },
  }
  result, err := client.Orders.Create(ctx, params)
  if err != nil {
    log.Fatal(err)
  }
  _ = result
}

SDK versionv6.2.0

import os
import inttegro

client = inttegro.InttegroClient(api_key=os.environ["INTTEGRO_API_KEY"])
result = client.orders.create(inttegro.orders.CreateRequest(
  request_meta=inttegro.orders.RequestMeta(
    idempotency_key="order_momo_2025_001",
  ),
  execute_payment=True,
  customer_data=inttegro.orders.Customer(
    name="Akosua Mensah",
    email_address="[email protected]",
    phone_number="+233244123456",
  ),
  payment_method_data=inttegro.orders.PaymentMethod(
    type=inttegro.PaymentMethodType.MOBILE_MONEY,
    mobile_money=inttegro.orders.MobileMoney(
      network=inttegro.MobileMoneyNetwork.MTN,
      account_number="0244123456",
    ),
  ),
  line_items=[
    inttegro.orders.ProductLineItem(
      type=inttegro.LineItemType.PRODUCT,
      product=inttegro.orders.Product(
        type=inttegro.ProductType.DIGITAL,
        name="Premium Subscription - 1 Month",
        quantity=1,
        price=inttegro.orders.PriceParams(
          currency=inttegro.Currency.GHS,
          value=5000,
        ),
      ),
    ),
  ],
))

SDK versionv5.3.0

<?php

use Inttegro\Client;

$client = new Client($_ENV['INTTEGRO_API_KEY']);
$result = $client->orders->create([
  'request_meta' => [
    'idempotency_key' => 'order_momo_2025_001',
  ],
  'execute_payment' => true,
  'customer_data' => [
    'name' => 'Akosua Mensah',
    'email_address' => '[email protected]',
    'phone_number' => '+233244123456',
  ],
  'payment_method_data' => [
    'type' => \Inttegro\PaymentMethodType::MobileMoney,
    'mobile_money' => [
      'network' => \Inttegro\MobileMoneyNetwork::MTN,
      'account_number' => '0244123456',
    ],
  ],
  'line_items' => [
    [
      'type' => \Inttegro\LineItemType::Product,
      'product' => [
        'type' => \Inttegro\ProductType::Digital,
        'name' => 'Premium Subscription - 1 Month',
        'quantity' => 1,
        'price' => [
          'currency' => 'ghs',
          'value' => 5000,
        ],
      ],
    ],
  ],
]);

SDK versionv4.3.0

require "inttegro"

client = Inttegro::Client.new(api_key: ENV.fetch("INTTEGRO_API_KEY"))
result = client.orders.create(
  request_meta: {
    idempotency_key: "order_momo_2025_001",
  },
  execute_payment: true,
  customer_data: {
    name: "Akosua Mensah",
    email_address: "[email protected]",
    phone_number: "+233244123456",
  },
  payment_method_data: {
    type: Inttegro::PaymentMethodType::MOBILE_MONEY,
    mobile_money: {
      network: Inttegro::MobileMoneyNetwork::MTN,
      account_number: "0244123456",
    },
  },
  line_items: [
    {
      type: Inttegro::LineItemType::PRODUCT,
      product: {
        type: Inttegro::ProductType::DIGITAL,
        name: "Premium Subscription - 1 Month",
        quantity: 1,
        price: {
          currency: "ghs",
          value: 5000,
        },
      },
    },
  ]
)

SDK versionv5.2.0

import com.inttegro.Client;
import com.inttegro.orders.OrderCreateParams;
import com.inttegro.RequestMeta;
import com.inttegro.customers.CustomerData;
import com.inttegro.paymentmethods.PaymentMethodData;
import com.inttegro.paymentmethods.PaymentMethodType;
import com.inttegro.paymentmethods.MobileMoneyParams;
import com.inttegro.paymentmethods.MobileMoneyNetwork;
import com.inttegro.orders.OrderLineItemParams;
import com.inttegro.orders.ProductLineItemParams;
import com.inttegro.products.ProductType;
import com.inttegro.prices.PriceParams;
import com.inttegro.money.Currency;

public class Example {
  public static void main(String[] args) throws Exception {
    var client = new Client(System.getenv("INTTEGRO_API_KEY"));
    var params = OrderCreateParams.builder()
      .requestMeta(RequestMeta.builder()
          .idempotencyKey("order_momo_2025_001")
          .build())
      .executePayment(true)
      .customerData(CustomerData.builder()
          .name("Akosua Mensah")
          .email("[email protected]")
          .phoneNumber("+233244123456")
          .build())
      .paymentMethodData(PaymentMethodData.builder()
          .type(PaymentMethodType.MOBILE_MONEY)
          .mobileMoney(MobileMoneyParams.builder()
              .network(MobileMoneyNetwork.MTN)
              .accountNumber("0244123456")
              .build())
          .build())
      .lineItem(OrderLineItemParams.product(ProductLineItemParams.builder()
            .type(ProductType.DIGITAL)
            .name("Premium Subscription - 1 Month")
            .quantity(1L)
            .price(PriceParams.of(Currency.GHS, 5000))
            .build()))
      .build();
    var result = client.orders().create(params);
  }
}

SDK versionv6.2.0

using Inttegro;

using var inttegro = new InttegroClient(
    Environment.GetEnvironmentVariable("INTTEGRO_API_KEY")!
);
var result = await inttegro.Orders.CreateAsync(new {
  request_meta = new {
    idempotency_key = "order_momo_2025_001",
  },
  execute_payment = true,
  customer_data = new {
    name = "Akosua Mensah",
    email_address = "[email protected]",
    phone_number = "+233244123456",
  },
  payment_method_data = new {
    type = Inttegro.PaymentMethodType.MobileMoney,
    mobile_money = new {
      network = Inttegro.MobileMoneyNetwork.MTN,
      account_number = "0244123456",
    },
  },
  line_items = new[] {
    new {
      type = Inttegro.LineItemType.Product,
      product = new {
        type = Inttegro.ProductType.Digital,
        name = "Premium Subscription - 1 Month",
        quantity = 1,
        price = new {
          currency = "ghs",
          value = 5000,
        },
      },
    },
  },
});

Key parameters

execute_payment - Set to true to initiate payment immediately.
payment_method_data.mobile_money.network - Network: "airtel", "mtn", "telecel", or "vodafone".
payment_method_data.mobile_money.account_number - Wallet phone number (local or international format).
Amounts - In minor units (pesewas). GHS 50.00 = 5000.

The response includes the order, payment, and confirmation-request identifiers needed for the next action. Read the token size, delivery channel, and expiry from order.payment.next_action.confirm_payment instead of assuming fixed values.

Step 2: confirm customer intent with OTP

When the next action is confirm_payment, collect the token from the customer and submit it before the response's expires_at time. After confirmation, inspect the returned order again; some payments require a separate authorization action before they become paid.

Note

Confirmation is bound to one order, payment, and confirmation request. Use order.payment.id as payment_id and order.payment.next_action.confirm_payment.request.id as confirmation_id, then submit those values with order_id and token. See Confirm a payment for complete SDK examples.

Inttegro validates the token and returns the latest order state. Continue only according to order.payment.next_action; don't assume confirmation alone completed the charge.

Common errors:

confirmation_bad_token - Ask the customer for the latest token and retry with the same four identifiers.
confirmation_expired - Request a new confirmation before retrying.
confirmation_max_reached - Request a new confirmation because the active request has no attempts remaining.

Step 3: verify payment status

After the customer authorizes the payment with their mobile money provider, look up the order to verify completion. This typically happens within 5-15 seconds after authorization:

Check payment status

POST/orders/lookup

curl https://api.inttegro.com/orders/lookup \
  -H "Authorization: Bearer $INTTEGRO_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "order_id": "or_abc123xyz"
}'

SDK versionv8.2.0

import * as Inttegro from '@inttegro/inttegro-sdk'

const inttegro = new Inttegro.InttegroClient({
  apiKey: process.env.INTTEGRO_API_KEY!,
})
const result = await inttegro.orders.lookup({
  orderId: "or_abc123xyz",
})

SDK versionv4.4.0

package main

import (
  "context"
  "log"
  "os"

  inttegro "github.com/zebodotdev/inttegro-sdk-go/v4"
)

func main() {
  ctx := context.Background()
  client := inttegro.NewClient(os.Getenv("INTTEGRO_API_KEY"))

  result, err := client.Orders.Lookup(ctx, "or_abc123xyz")
  if err != nil {
    log.Fatal(err)
  }
  _ = result
}

SDK versionv6.2.0

import os
import inttegro

client = inttegro.InttegroClient(api_key=os.environ["INTTEGRO_API_KEY"])
result = client.orders.lookup("or_abc123xyz")

SDK versionv5.3.0

<?php

use Inttegro\Client;

$client = new Client($_ENV['INTTEGRO_API_KEY']);
$result = $client->orders->lookup("or_abc123xyz");

SDK versionv4.3.0

require "inttegro"

client = Inttegro::Client.new(api_key: ENV.fetch("INTTEGRO_API_KEY"))
result = client.orders.lookup(order_id: "or_abc123xyz")

SDK versionv5.2.0

import com.inttegro.Client;

public class Example {
  public static void main(String[] args) throws Exception {
    var client = new Client(System.getenv("INTTEGRO_API_KEY"));
    var result = client.orders().lookup("or_abc123xyz");
  }
}

SDK versionv6.2.0

using Inttegro;

using var inttegro = new InttegroClient(
    Environment.GetEnvironmentVariable("INTTEGRO_API_KEY")!
);
var result = await inttegro.Orders.LookupAsync("or_abc123xyz");

Statuses: requires_action (waiting for OTP), paid (success), failed (insufficient balance, cancelled), expired (5-minute window closed).

Important details

Transaction limits: MTN (GHS 5K/transaction, 10K daily), Telecel (3K/transaction, 5K daily), AirtelTigo (2K/transaction, 3K daily). Exceeding limits returns amount_too_large error.

Order limits: Each order can contain up to 64 line items. Order totals are capped at 100,000 for ghs and 50,000 for all other supported currencies, measured in the currency's smallest unit. Contact support if you need these limits increased.

Settlement: Real-time to your balance, but 7-day aging period before payout eligibility (Bank of Ghana dispute window).

Pricing: 1.5% + GHS 0.50 per transaction, deducted before funds reach your balance.

Network detection: Inttegro validates network matches phone prefix (MTN: 024/054/055/059, Telecel: 020/050, AirtelTigo: 027/057/026/056).

Next steps

You're now accepting mobile money payments! Here's what to explore next:

Charge repeat customers - Save payment methods for one-click checkout
Handle payment failures - Retry failed transactions gracefully
Set up payouts - Withdraw funds to your bank account
Understand payment method settings - Configure verification and confirmation requirements

For detailed parameter documentation, see the Orders API reference.

How it works

Supported networks

Step 1: create the order

Create mobile money order

Key parameters​

Step 2: confirm customer intent with OTP

Step 3: verify payment status

Check payment status

Important details

Next steps

Key parameters