Mobile Money
A prompt pops up on your customer's phone. They enter their PIN. Done.
- MTN MoMo
- Telecel Cash
- AT Money
Made in Ghana, for all of Africa
We integrate payment APIs into your business.
Visa, Mastercard, Bitcoin, USDT, MTN MoMo, Telecel Cash: we connect your website, app or system to the payment providers you need, then build it, test it and hand it over working.
Asking is free. We reply in plain language.
- 9+ payment rails, one integration
- Days, not months, to go live
- Free scoping call
- Sandbox tested with you first
- 24/7 webhook monitoring after launch
Get paid. Any way.
Every way your customers already pay
Some people live on MoMo. Some carry a card. Some hold dollars in USDT. We wire all of them into one checkout, so nobody walks away.
Cards
Local and international cards, with the extra bank check that keeps fraud out.
- Visa
- Mastercard
- 3-D Secure
Crypto
Accept Bitcoin or USDT. Keep it, or have it turned into cedis or dollars for you.
- Bitcoin
- USDT TRC-20
- USDT ERC-20
And more across Africa: M-Pesa Airtel Money Orange Money Bank transfer USSD
Ghana first. Africa ready. Local rails in mind, plus these when you grow across borders.
Brand names are shown as text labels for identification only and belong to their owners.
See it working
Your Store
₵120.00
Network
MTN MoMoTelecel CashAT Money
Mobile number
024 000 0000
Send prompt to phone
Customer approves on their phone with their PIN.
Card number
4000 •••• •••• 0002VisaMastercard
Expiry
08 / 28
CVC
•••
Pay ₵120.00
3-D Secure check runs automatically.
Asset
USDT · TRC-20USDT · ERC-20Bitcoin
I have sent the payment
Illustration. Your checkout is designed around your brand.
•••• 0002Visa / Mastercard
3-D Secure verified
Cards with 3-D Secure
Visa and Mastercard through PCI-DSS compliant processors.
Bitcoin and USDT
QR checkout with optional auto-conversion, so you can settle in cedis or dollars.
See money land
A clean view of who paid, how and when.
Ghana first. Africa ready.
Built from Accra with local rails in mind, plus M-Pesa, Airtel Money, Orange Money, bank transfer and USSD when you grow across borders.
Webhooks that never go quiet
Every payment event reaches your system, is verified and reconciled. We monitor delivery around the clock.
- 200 payment.pending momo
- 200 payment.success momo
- 200 payout.completed bank
Subscriptions
Recurring billing that charges on schedule.
Payment links
Share on WhatsApp, SMS or email. Paid in a tap.
Which setup fits you?
Tap the one that sounds most like your business. We'll show you the mix of payments that usually works, and what we'd build for you.
Also handy for rent collection, logistics, NGOs and training centres. Just ask.
For a shop
Sell online and at the counter
Payments to offer
What we build for you
What we build for you
Think of us as the people who come and fix the wiring, not the ones who hand you a box of cables.
Checkout on your website
WooCommerce, Shopify or a custom site. A pay button that just works.
Payments inside your app
Android, iOS, Flutter or React Native. Customers never leave the app.
Mobile Money collection
MTN MoMo, Telecel Cash and AT Money, with the PIN prompt sent to their phone.
Card payments
Visa and Mastercard, with the bank's extra security check (3-D Secure).
Crypto payments
Bitcoin and USDT, with optional automatic conversion to cedis or dollars.
Payment links and invoices
No website needed. Send a link on WhatsApp, SMS or email and get paid.
Subscriptions and repeat billing
Monthly fees, dues and plans that charge on time without chasing.
Payouts and bulk payments
Pay staff, suppliers or riders to MoMo or bank in one go.
Records that add up
A simple dashboard and automatic updates, so you know exactly who paid what.
How it works
Five steps. You do the first one, we carry the rest.
Say hello
Message us on WhatsApp, fill the form, or send an email.
Free chat about your needs
We ask how you sell and who your customers are. No charge, no pressure.
We build and connect
Our team sets up the payment providers and wires them into your site or app.
Test it together
We try every payment in a practice mode with you before real money moves.
Go live, stay supported
You start collecting. We stay on hand when something needs a tweak.
Built for how your business gets paid
Every sector collects money differently. If money changes hands, we can make it easier to collect, and we set up the flow that fits yours.
E-commerce & retail
MoMo and card at checkout, refunds and pay-on-delivery, with stock updated the moment payment lands.
Schools & training
Fees paid by MoMo, in instalments, with automatic receipts for parents.
Churches & NGOs
Tithes and donations by MoMo or card, donation links shared on WhatsApp, plus recurring giving.
SaaS & subscriptions
Monthly plans billed in cedis or dollars, by card or MoMo, with retries and dunning.
Restaurants & delivery
Pay when ordering or by link at the door, plus rider payouts.
Events & ticketing
Tickets issued the second payment clears.
Real estate & rent
Scheduled monthly rent with automatic reminders that include a pay link.
Logistics
MoMo prompts in place of cash on delivery, and payouts to riders.
Also handy for rent collection, logistics, NGOs and training centres. Just ask.
We do the wiring. You keep selling.
Payment providers give you documents. We give you a working checkout, and someone to call when you have a question.
An expert team, not just a gateway
Gateways give you keys and documentation. We write and ship the integration code and give you a working checkout, tested and live. You don't need a payments engineer on staff.
Live in days, not months
Most setups are running quickly once we know what you need.
One setup, 9+ ways to pay
Mobile Money, cards, crypto and more, behind one checkout.
Know who paid what
Every payment is matched to its order, customer and reference automatically.
Add rails later
Start with MoMo today and add cards or crypto next quarter without rebuilding.
We know local payments
MoMo prompts, network quirks, cedi and dollar pricing. That is our everyday work.
Built on secure providers
We integrate with PCI-DSS compliant processors. Card details never touch your server.
24/7 webhook monitoring
We monitor your webhooks around the clock. Missed or failed callbacks are flagged and acted on, so no payment slips through unrecorded and orders never sit unpaid in limbo.
A real person to talk to
Support on WhatsApp after launch, with payment alerts watched around the clock.
How the pieces connect
Your app talks to one place. We handle the different payment networks behind it and report every result back to you.
Got a developer? They'll like this part.
We hand over clean code, clear notes and payment updates sent straight to your system the moment money lands. No guessing, no refreshing a dashboard.
- Customer taps Pay with MoMo
- A PIN prompt appears on their phone
- Your system gets a “paid” message instantly
- The order is marked paid, the receipt is sent
- Signed webhook verification on every event, so fake “paid” messages are rejected
- Idempotency keys on every charge, and idempotent order updates, so there's no double fulfilment
- Automatic retries on failure
- Sandbox and live keys kept apart, with a sandbox to test every rail before real money moves
- Logs you can actually read
- Handover docs and a walkthrough call for your team
For your developer: a few lines. For you: no more guesswork.
When a payment clears, the order flips to paid on its own. No screenshots of MoMo messages, no matching bank alerts by hand at the end of the day, no refreshing a dashboard.
// one call, any payment method
const payment = await paymanzo.charge({
amount: 45.00,
currency: "GHS",
method: "momo", // or "card", "usdt"
phone: "+233 00 000 0000",
reference: "order-1042"
});
// later, on your server
on("payment.paid", (event) => {
markOrderPaid(event.reference);
});const charge = await pay.charges.create({
amount: 15000, // ₵150.00 in pesewas
currency: "GHS",
method: "momo",
network: "MTN",
phone: "+23324XXXXXXX",
reference: order.id,
});
// Customer approves on their phone...
app.post("/webhooks/pay", verify, (req, res) => {
if (req.body.status === "success") markPaid(req.body.reference);
res.sendStatus(200);
});// Mark an order paid when PayManzo confirms it
app.post("/webhooks/paymanzo", verifySignature, async (req, res) => {
const event = req.body;
if (event.type === "charge.succeeded") {
await orders.markPaid(event.reference, event.amount);
}
res.sendStatus(200);
});// Illustrative: tailored to your processor and stack
app.post("/webhooks/payment", async (req, res) => {
if (!verifySignature(req)) return res.sendStatus(401);
const { reference, status, method } = req.body;
// method: "momo" | "card" | "crypto"
if (status === "success") {
await orders.markPaid(reference, { method });
}
res.sendStatus(200);
});Illustrative example. Your real code depends on the providers we set up for you.
Illustrative sketch. The exact API depends on the processor we set up for you.
Try the sandbox
In plain English: Your customer gets a prompt on their MTN phone, enters their PIN, and your system is told the ₵24.50 was paid. No manual checks.
Questions people ask us
Something else on your mind? Ask us on WhatsApp.
No. We are the integration team. We connect established, compliant payment processors to your website, app or systems, pick the right processor with you based on your payment methods, volumes and settlement needs, and support it after launch. Money flows through the processor to your account.
No. We do the technical work end to end. If you already have developers, we work alongside them and leave clean documentation behind.
MTN MoMo, Telecel Cash, AT Money, Visa, Mastercard, Bitcoin and USDT (TRC-20 and ERC-20), plus M-Pesa, Airtel Money, Orange Money, bank transfer and USSD, depending on your market.
In Ghana: MTN MoMo, Telecel Cash (formerly Vodafone Cash) and AT Money. For other countries we can add options like M-Pesa, Airtel Money and Orange Money.
Simple setups like payment links can be ready in days. A full website or app checkout takes a bit longer, and we give you a clear timeline after our first chat.
No. We can set you up with payment links you share on WhatsApp, SMS or email. If you do have a site or app, we connect payments into it.
Usually not. We work with WooCommerce, Shopify, custom-built sites and mobile apps on Android, iOS, Flutter and React Native.
It depends on what you need built. The first chat is free, and we send a clear quote before any work starts. Payment providers also charge their own small fee per transaction, and we explain those upfront.
We integrate with PCI-DSS compliant payment processors, use the bank's 3-D Secure check for cards, and customers approve Mobile Money with their own PIN. Sensitive card details never pass through your server.
In most setups, payments settle from the processor straight to your bank account or wallet. We build the connection; we don't sit in the middle of your money. We explain the exact flow for your setup during scoping.
Often, yes. Customers pay in Bitcoin or USDT. Where the processor supports it, we set up auto-conversion so you settle in GHS or USD instead of holding crypto. You can also keep the crypto.
Not at all. You choose which payments to offer. If you do take crypto, we can have it converted automatically so you receive cedis or dollars.
Yes. Ghana is home, but we integrate payment rails for businesses across Africa and beyond.
Message us. We keep an eye on payment alerts and help you fix issues quickly. Ongoing support is part of how we work, not an extra you have to chase.
Tell us what you sell. We'll show you how people can pay for it.
Stop sending your MoMo number in the chat. Give customers a real checkout. Tell us what you sell and we'll come back with a plan, a timeline and a price, after a free scoping call.
Say hello
WhatsApp is the quickest way to reach us. Prefer writing? Fill the form and we'll carry your message over to WhatsApp, or send it by email.
- WhatsApp+233 00 000 0000
- Emailhello@paymanzo.com
- Based inAccra, Ghana. Serving Africa and beyond.