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

POST https://api.xtrakit.com/api/v1/momo/pay

Headers

Authorization: Bearer API_KEY

Request Body

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

Sample Requests

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' => '[phone]',
        'otp' => '123456',
        'customer_email' => '[email protected]',
        '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;

?>

NodeJS

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: "[phone]",
    otp: "123456",
    customer_email: "[email protected]",
    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);
});

Sample Response

Success

{
    "status": "000",
    "data": {
        "transaction_id": "TXN-202607020001",
        "merchant_transaction_id": "44b8daae-5e66-6280-8aa2-e41c73d5e43b",
        "momo_number": "[phone]",
        "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"
}

Error

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

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