Guides
Integration Guides
Step-by-step guides for common integration patterns. Each guide includes code samples, architecture diagrams, and best practices.
Account Verification Flow
Verify MoMo account existence and ownership before disbursement.
Install SDK
Authenticate with API key
Call verify.account
Check ownership
KYC Onboarding Flow
Verify user identity with GhanaCard OCR and biometric matching.
Capture document image
Submit to KYC API
Poll for result
Map KYC level
Payment Integration
Send MoMo payments with idempotency and fraud checking built-in.
Create Idempotency-Key
Submit transfer
Handle SecureFlow decision
Process webhook
Credit Scoring Integration
Generate alternative credit scores for thin-file MoMo users.
Verify consent
Request score
Read sub-scores
Apply to decision
Webhook Integration
Receive real-time CloudEvents for every state change.
Register endpoint
Verify signature
Process event
Acknowledge receipt
Sandbox to Production
Graduate from sandbox to live environment with real MNO rails.
Complete sandbox tests
Pass director KYC
Sign agreement
Swap key prefix