Mobile money API for Ghanaian developers
One API for mobile money collections and payouts in Ghana. Live keys move real money on the mobile money rails; test keys simulate the whole lifecycle so you can build without spending a pesewa.
What the API covers
Collections, transaction status, refunds, payouts and disbursements, bill and airtime purchases, plus signed webhooks for every state change.
- POST /v1/collect — charge a mobile money wallet
- GET /v1/transactions/:id — status any time
- POST /v1/payouts — send money out
- Signed webhooks with HMAC verification
- Idempotency keys on every write
Test mode that behaves like production
Test keys return the same payloads, the same statuses and the same webhooks as live — simulated, with no handset prompt and no money movement. Switch keys to go live.
Built for integration
An OpenAPI 3.1 contract, a Node SDK, machine-readable docs at /llms.txt and a docs assistant that answers integration questions against the real documentation.
- OpenAPI 3.1 at /openapi.json
- Node SDK
- Per-page markdown docs for AI tooling
Common questions
Which networks are supported?
MTN Mobile Money, Telecel Cash and AirtelTigo Money, plus card payments through the same checkout.
How do I verify a webhook?
Each webhook carries an HMAC signature generated with your endpoint secret. The webhooks documentation shows the exact verification code.
Is there a sandbox?
Yes — test mode is a full simulator, free and unlimited, using your test API key.
Keep reading
Questions? Email us or call +233 59 896 9229.