> For the complete documentation index, see [llms.txt](https://docs.xtrakit.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xtrakit.com/overview/payments/pay-with-momo.md).

# Pay with MoMo

Allow users to make payments using MTN Ghana Momo, AirtelTigo and Vodafone (Telecel)

The request process is asynchronous, meaning you receive an initial response indicating that the request is being processed. Once the payer completes the transaction, a callback response is sent to your configured callback URL.

## Endpoint

<mark style="color:$warning;">**`POST`**</mark> `https://api.xtrakit.com/api/v1/momo/pay`

## Headers

`Authorization: Bearer API_KEY`

## **Request Body**

<table><thead><tr><th width="289">Parameters</th><th width="100">Type</th><th>Description</th></tr></thead><tbody><tr><td><p>transaction_id</p><p><code>string</code></p></td><td>Required</td><td>Merchants' transaction ID to uniquely identify the transaction</td></tr><tr><td><p>business_code</p><p><code>string</code></p></td><td>Required</td><td>Business code retrieved from the merchant dashboard</td></tr><tr><td><p>currency</p><p><code>string</code></p></td><td>Required</td><td>Currency you are receiving payment</td></tr><tr><td><p>payment_details </p><p><code>string</code></p></td><td>Required</td><td>Payment details unique to this collection channel</td></tr><tr><td><p>payment_details.momo_number</p><p><code>string</code></p></td><td>Required</td><td>Momo number to receive payment from. This is a field within payment_details.</td></tr><tr><td><p>payment_details.otp</p><p><code>string</code></p></td><td>Required</td><td>One Time Password sent to payer's phone number to authorize the transaction. This is a field within payment_details.</td></tr><tr><td><p>payment_details.customer_email</p><p><code>string</code></p></td><td>Required</td><td>Refers to the payer's email address e.g kofi@gmail.com</td></tr><tr><td><p>payment_details.customer_firstname</p><p><code>string</code></p></td><td>Required</td><td>Payer's First Name</td></tr><tr><td><p>payment_details.customer_lastname</p><p><code>string</code></p></td><td>Required</td><td>Payer's Last Name</td></tr><tr><td><p>payment_method_id</p><p><code>string</code></p></td><td>Required</td><td>The ID of the payment channel retrieved from get payment methods endpoint. eg. 8rf8788997</td></tr><tr><td><p>amount</p><p><code>float|numeric-string</code></p><p><br></p></td><td>Required</td><td>Amount to be received from the payer</td></tr><tr><td><p>voucher_code</p><p><code>string</code></p></td><td>Optional</td><td> <code>voucher_code</code> should be passed for Telecel Cash payments (<code>*110#</code>).</td></tr></tbody></table>

## Sample Requests <a href="#sample-requests" id="sample-requests"></a>

{% tabs %}
{% tab title="PHP" %}
{% code fullWidth="true" %}

```php
<?php
$curl = curl_init();

$data = [
    'transaction_id' => 'TXN-202607020001',
    'business_code' => '25754643',
    'currency' => 'GHS',
    'payment_method_id' => 'mtnghana', //airteltigoghana, vodafoneghana
    'amount' => 100.00,
    'payment_details' => [
        'momo_number' => '+233240000000',
        'otp' => '123456',
        'customer_email' => 'kofi@example.com',
        'customer_firstname' => 'Kofi',
        'customer_lastname' => 'Narh',
    ],
];

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://api.xtrakit.com/api/v1/momo/pay',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => $data,
  CURLOPT_HTTPHEADER => array(
    'Authorization: Bearer API_KEY', // Replace 'API_KEY' with your actual API key
    'Content-Type: application/json'
  ),
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

?>
```

{% endcode %}
{% endtab %}

{% tab title="NodeJS" %}

```javascript
const axios = require("axios");

const data = {
  transaction_id: "TXN-202607020001",
  business_code: "264356434",
  currency: "GHS",
  payment_method_id: 'mtnghana', //airteltigoghana, vodafoneghana
  amount: 100.00,
  payment_details: {
    momo_number: "+233240000000",
    otp: "123456",
    customer_email: "kofi@example.com",
    customer_firstname: "Kofi",
    customer_lastname: "Narh"
  }
};

axios.post("https://api.xtrakit.com/api/v1/momo/pay", data, {
  headers: {
    Authorization: `Bearer ${process.env.XTRAPAY_API_KEY}`,
    "Content-Type": "application/json"
  }
})
.then(response => {
  console.log(response.data);
})
.catch(error => {
  console.error(error.response?.data || error.message);
});
```

{% endtab %}
{% endtabs %}

## Sample Response

{% tabs %}
{% tab title="Success" %}

```json
{
    "status": "000",
    "data": {
        "transaction_id": "TXN-202607020001",
        "merchant_transaction_id": "44b8daae-5e66-6280-8aa2-e41c73d5e43b",
        "momo_number": "+233539421088",
        "amount": "1.00",
        "currency": "GHS",
        "payment_method_name": "mtnghana", //airteltigoghana, vodafoneghana
        "status": "pending",
        "fee": "0.00",
        "created_at": "2026-07-02T22:12:37.000000Z"
    },
    "message": "Payment is being processed"
}
```

{% endtab %}

{% tab title="Error" %}

```json
{
    "status": 401,
    "error": "Unauthorized: Missing Bearer Token"
},

{
    "status": 401,
    "error": "Unauthorized: Invalid API Key"
}
```

{% endtab %}
{% endtabs %}