--- title: "Accept mobile money payments" description: "Accept mobile money payments from MTN, Telecel, and AirtelTigo customers across Ghana with real-time settlement." canonical: "https://studio.inttegro.com/guides/accept-mobile-money-payment" format: inttegro-machine-docs/v1 language: "Go" sdk_version: "v11.0.1" reader_profile: optional reader_manifest: "https://studio.inttegro.com/machine/go/readers/index.json" reader_identification: "Optional: declare your client only if known and your current-session capabilities; use reader_manifest for supplemental recommendations." preamble_estimated_tokens: 462 model_token_report: "https://studio.inttegro.com/machine/token-report.json" preamble_questions: 5 preamble_source: "curated" recommended_mcp_tools: ["get_integration_guide","check_integration_readiness","get_order"] estimated_tokens: 3163 token_estimate_method: "utf8_bytes_divided_by_4" --- ## Machine preamble **Summary:** Create a mobile-money order, follow its requested customer actions, and reconcile the final payment from current order state. ### Five questions #### Q1. What sequence does a mobile-money payment require? Create an order that starts payment execution, then use the returned next action to present any requested confirmation or authorization. [Orders](https://studio.inttegro.com/machine/go/api/orders.md#create-an-order) defines the request and current state. #### Q2. How should the next customer action be chosen? Inspect the current order payment next action after each phase. Do not assume that one SMS, one prompt, or one network-specific branch completes every payment. #### Q3. Is a separate integration needed for each Ghanaian network? No. The documented flow supports MTN, Telecel, and AirtelTigo wallets; Inttegro routes by phone-number prefix. Check enabled payment-method settings before promising availability. #### Q4. When may the business treat the payment as paid? Only after [reading current order state](https://studio.inttegro.com/machine/go/api/orders.md#lookup-an-order) and seeing the paid outcome. A confirmation request, authorization prompt, or browser return may be intermediate. #### Q5. Which MCP abilities help with readiness and tracking? With an authenticated connection, [get_payment_method_settings](https://studio.inttegro.com/machine/go/inttegro-mcp/tools.md#get_payment_method_settings) checks availability, [create_order](https://studio.inttegro.com/machine/go/inttegro-mcp/tools.md#create_order) creates an unpaid order, and [pay_order](https://studio.inttegro.com/machine/go/inttegro-mcp/tools.md#pay_order) starts collection only after exact confirmation. [get_order](https://studio.inttegro.com/machine/go/inttegro-mcp/tools.md#get_order) reconciles status. ## Document content # 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. > Mcp Guide Callout is interactive content. Use the canonical page to view it. ## How it works Mobile money payments can require more than one customer action. Create an order with [`ExecutePayment`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/order#CreateParams.ExecutePayment) set to `true`, inspect [`Order.Payment.NextAction`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/order#Order), 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 [`ExecutePayment`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/order#CreateParams.ExecutePayment) to `true` starts payment execution; the response tells you whether customer confirmation is required. **Create mobile money order — POST /orders/create** ```go package main import ( "context" "log" "os" inttegro "github.com/inttegro/inttegro-sdk-go/v11" "github.com/inttegro/inttegro-sdk-go/v11/customer" "github.com/inttegro/inttegro-sdk-go/v11/money" "github.com/inttegro/inttegro-sdk-go/v11/order" "github.com/inttegro/inttegro-sdk-go/v11/paymentmethod" "github.com/inttegro/inttegro-sdk-go/v11/price" "github.com/inttegro/inttegro-sdk-go/v11/product" "github.com/inttegro/inttegro-sdk-go/v11/request" ) func main() { ctx := context.Background() client := inttegro.NewClient(os.Getenv("INTTEGRO_API_KEY")) params := order.CreateParams{ RequestMeta: &request.Meta{ IdempotencyKey: "order_momo_2025_001", }, ExecutePayment: inttegro.Bool(true), CustomerData: &customer.Data{ Name: "Akosua Mensah", Email: "akosua@example.com", PhoneNumber: "+233244123456", }, PaymentMethodData: &paymentmethod.Data{ Type: paymentmethod.TypeMobileMoney, MobileMoney: &paymentmethod.MobileMoneyParams{ Network: paymentmethod.MobileMoneyNetworkMTN, AccountNumber: "0244123456", }, }, LineItems: []order.LineItemParams{ { Type: order.LineItemTypeProduct, Product: &order.ProductLineItemParams{ Type: product.TypeDigital, Name: "Premium Subscription - 1 Month", Quantity: 1, Price: price.InlineParams{ AmountParams: money.AmountParams{ Currency: money.GHS, Value: 5000, }, }, }, }, }, } result, err := client.Orders.Create(ctx, params) if err != nil { log.Fatal(err) } _ = result } ``` ### Key parameters - **[`ExecutePayment`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/order#CreateParams.ExecutePayment)** - Set to `true` to initiate payment immediately. - **[`PaymentMethodData.MobileMoney.Network`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/paymentmethod#MobileMoneyParams.Network)** - Use [`paymentmethod.MobileMoneyNetworkAirtel`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/paymentmethod#MobileMoneyNetworkAirtel), [`paymentmethod.MobileMoneyNetworkMTN`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/paymentmethod#MobileMoneyNetworkMTN), [`paymentmethod.MobileMoneyNetworkTelecel`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/paymentmethod#MobileMoneyNetworkTelecel), or [`paymentmethod.MobileMoneyNetworkVodafone`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/paymentmethod#MobileMoneyNetworkVodafone). - **[`PaymentMethodData.MobileMoney.AccountNumber`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/paymentmethod#MobileMoneyParams.AccountNumber)** - The wallet phone number in local or international format. - **`LineItems[].Product.Price.Value`** - Use minor units (pesewas). GHS 50.00 is `5000`. The response includes the order, payment, and confirmation-request identifiers needed for the next action. Read [`Order.Payment.NextAction.ConfirmPayment.Request.TokenSize`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/order#Order), [`Order.Payment.NextAction.ConfirmPayment.Request.SentVia`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/order#Order), and [`Order.Payment.NextAction.ConfirmPayment.ExpiresAt`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/order#Order) instead of assuming fixed values. ## Step 2: confirm customer intent with OTP When [`Order.Payment.NextAction.Type`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/order#Order) is [`payment.NextActionTypeConfirmPayment`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payment#NextActionTypeConfirmPayment), collect the token from the customer and submit it before [`Order.Payment.NextAction.ConfirmPayment.ExpiresAt`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/order#Order). After confirmation, inspect the returned order again; some payments require a separate authorization action before they become paid. > **Note:** > > Confirmation is bound to the current order and confirmation request. Pass the > identifiers and token returned by the create call to your SDK's confirmation > operation. See [Confirm a payment](https://studio.inttegro.com/machine/go/api/orders.md#confirm-a-payment) for the exact > request shape in the selected SDK. Inttegro validates the token and returns the latest order state. Continue only according to [`Order.Payment.NextAction`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/order#Order); don't assume confirmation alone completed the charge. **Common errors:** - `confirmation_bad_token` - Ask the customer for the latest token and retry the confirmation call. - `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** ```go package main import ( "context" "log" "os" inttegro "github.com/inttegro/inttegro-sdk-go/v11" ) 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 } ``` Payment statuses: [`payment.StatusRequiresAction`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payment#StatusRequiresAction) while waiting for confirmation, [`payment.StatusPaid`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payment#StatusPaid) after success, [`payment.StatusFailed`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payment#StatusFailed) after a failed or canceled payment, and [`payment.StatusExpired`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payment#StatusExpired) when the authorization window closes. ## Important details **Transaction limits**: MTN (GHS 5K/transaction, 10K daily), Telecel (3K/transaction, 5K daily), AirtelTigo (2K/transaction, 3K daily). Exceeding limits returns an `amount_too_large` error. Order limits: Each order can contain up to 64 line items. Order totals are capped at 100,000 for [`money.GHS`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/money#GHS) and 50,000 for all other supported currencies, measured in the currency's smallest unit. Contact [support](mailto:support@inttegro.com) 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 that [`PaymentMethodData.MobileMoney.Network`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/paymentmethod#MobileMoneyParams.Network) matches the 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](https://studio.inttegro.com/machine/go/guides/charge-repeat-customers.md)** - Save payment methods for one-click checkout - **[Handle payment failures](https://studio.inttegro.com/machine/go/guides/retry-a-payment.md)** - Retry failed transactions gracefully - **[Set up payouts](https://studio.inttegro.com/machine/go/products/payouts.md)** - Withdraw funds to your bank account - **[Understand payment method settings](https://studio.inttegro.com/machine/go/guides/understand-payment-method-settings.md)** - Configure verification and confirmation requirements For detailed parameter documentation, see the [Orders API reference](https://studio.inttegro.com/machine/go/api/orders.md).