This document consolidates all Mobile Money operators currently supported by WooshPay across Cameroon, Ghana, Kenya, Rwanda, Tanzania and Uganda.

Features (overview)

Capability	Value
Processing currencies	XAF, GHS, KES, RWF, TZS, UGX
Settlement currency	USD
Refunds	❌ Not supported
Chargebacks	❌ Not supported

Supported operators & provider-codes & transaction limit

Country	Operator / Brand	provider_code	Currency	MSISDN prefix	Per-transaction limit	Daily limit
Cameroon	MTN Mobile Money	mtn_cm	XAF	237	540 – 1,000,000 XAF	2,000,000 XAF
Cameroon	Orange Money	orange_cm	XAF	237	540 – 1,000,000 XAF	2,000,000 XAF
Ghana	MTN Mobile Money	mtn_gh	GHS	233	20 – 7,000 GHS	24,000 GHS
Ghana	Vodafone Cash	vodafone_gh	GHS	233	20 – 7,000 GHS	24,000 GHS
Ghana	AirtelTigo	airtel_gh	GHS	233	20 – 7,000 GHS	24,000 GHS
Kenya	Safaricom M-Pesa	mpesa_ke	KES	254	100 – 100,000 KES	140,000 KES
Rwanda	MTN Mobile Money	mtn_rw	RWF	250	980 – 2,000,000 RWF	4,000,000 RWF
Rwanda	AirtelTigo	airtel_rw	RWF	250	980 – 2,000,000 RWF	4,000,000 RWF
Tanzania	Airtel Money	airtel_tz	TZS	255	2,000 – 5,000,000 TZS	7,000,000 TZS
Tanzania	Tigo Pesa	tigo_tz	TZS	255	2,000 – 5,000,000 TZS	7,000,000 TZS
Tanzania	Vodacom M-Pesa	vodacom_tz	TZS	255	2,000 – 5,000,000 TZS	7,000,000 TZS
Tanzania	AzamPesa	azampesa_tz	TZS	255	2,000 – 5,000,000 TZS	7,000,000 TZS
Tanzania	HaloPesa	halopesa_tz	TZS	255	2,000 – 5,000,000 TZS	7,000,000 TZS
Uganda	MTN Mobile Money	mtn_ug	UGX	256	3,000 – 5,000,000 UGX	7,000,000 UGX
Uganda	Airtel Money	airtel_ug	UGX	256	3,000 – 5,000,000 UGX	7,000,000 UGX

Enumeration value for this payment method is always mobile_money. The operator is selected via payment_method_data.mobile_money.provider_code.

Currency & Decimal Places (Minor Units)

Country	Currency Code	Decimal Places (Minor Units)
Uganda	UGX	0
Kenya	KES	2
Tanzania	TZS	2
Rwanda	RWF	0
Ghana	GHS	2
Cameroon	XAF	0
Nigeria	NGN	2
South Africa	ZAR	2

Integration methods

Method	When to choose
Direct API	You host your own checkout form or integrate server-to-server.
Checkout	Fastest path; WooshPay hosts the payment page and handles operator selection.

Direct API

Create a PaymentIntent

request:

POST /v1/payment_intents
{
  "amount": 300000,           
  "currency": "UGX",               
  "confirm": true,
  "payment_method_data": {
    "type": "mobile_money",
    "mobile_money": {
      "phone_number": "256777000001", // MSISDN prefix without "+" sign
      "provider_code": "mtn_ug"       // see table above
    }
  },
  "merchant_order_id": "order_12345",
  "return_url": "https://yourwebsite.com"
}

response:

{
    "id": "pi_1953748853609988096",
    "object": "payment_intent",
    "created": 1754645000000,
    "livemode": false,
    "currency": "UGX",
    "amount": 300000,
    "status": "requires_action",
    "merchant_order_id": "order_12345",
    "client_secret": "pi_1953748853609988096_secret_yPSfRXfOSMs1ZApE8H7A1Rak",
    "next_action": {
        "type": "redirect_to_url",
        "redirect_to_url": {
            "url": "https://XXXXXXXXX"
        }
    },
    "payment_method_types": [
        "mobile_money"
    ],
    "confirmation_method": "automatic",
    "return_url": "https://yourwebsite.com",
    "payment_method": "pm_1953748853467381760",
    "capture_method": "automatic",
}

The customer is sent to next_action.redirect_to_url.url where they:

Review the transaction details shown by the operator.

Approve via STK Push, USSD, or in-app confirmation.

Are redirected back to return_url.

Checkout

Create a Session

request:

{
    "mode": "payment",
    "success_url": "https://yourwebsite.com/success",
    "cancel_url": "https://yourwebsite.com/cancel",
    "payment_method_types": [
        "mobile_money"
    ],
    "line_items": [
        {
            "price_data": {
                "currency": "KES",
                "unit_amount": 1000,
                "product_data": {
                    "name": "Kettle",
                    "images": [
                        "https://appletservice.oss-accelerate.aliyuncs.com/checkout_0517/icon0720/pic.png"
                    ]
                }
            },
            "quantity": 1
        }
    ]
}

response:

{
    "id": "cs_1953751544205672448",
    "object": "checkout.session",
    "created": 1754645642000,
    "currency": "KES",
    "mode": "payment",
    "status": "open",
    "url": "https://checkouttest.wooshpay.com/pay/cs_test_1953751544205672448?key=cGtfdGVzdF9OVEUzTnpBM01qazBNVE14TnpJNU1qUTBNVFl4T25ORFFVVjRZMUZFVlVWdWMwRjBUMHBXT1dGdWFsQTRRakUzTVRFd01EazNOekF5TlRF",
    "cancel_url": "https://yourwebsite.com/cancel",
    "line_items": {
        "object": "list",
        "data": [
            {
                "id": "li_1953751544209866752",
                "object": "item",
                "currency": "KES",
                "description": "Kettle",
                "price": {
                    "id": "price_1953751544209870848",
                    "object": "price",
                    "created": 1754645642000,
                    "livemode": false,
                    "active": true,
                    "currency": "KES",
                    "product": {
                        "id": "prod_1953751544214061056",
                        "object": "product",
                        "created": 1754645642000,
                        "livemode": false,
                        "active": true,
                        "name": "Kettle",
                        "updated": 1754645642000,
                        "images": [
                            "https://appletservice.oss-accelerate.aliyuncs.com/checkout_0517/icon0720/pic.png"
                        ]
                    },
                    "type": "one_time",
                    "unit_amount": 1000,
                    "billing_scheme": "per_unit"
                },
                "quantity": 1,
                "amount_subtotal": 1000,
                "amount_total": 1000
            }
        ]
    },
    "payment_intent": "pi_1953751544658657280",
    "payment_method_types": [
        "mobile_money"
    ],
    "local_payment_method_types": [],
    "payment_status": "unpaid",
    "success_url": "https://yourwebsite.com/success",
    "amount_subtotal": 1000,
    "amount_total": 1000,
    "amount_original_subtotal": 1000,
    "amount_original_total": 1000,
    "billing_address_collection": "auto",
    "expires_at": 1754732041744,
    "client_secret": "pi_1953751544658657280_secret_toXJ74QFiFwLR2RF1WS2dvlZ",
}

Next step

You can add more features to your integration as needed

Webhook

Listen to events on your WooshPay account so your integration can automatically trigger reactions. Create a webhook that mainly focuses on enabled_events and url.

Mobile Money - Multi-Country Integration Guide

Features (overview)#

Supported operators & provider-codes & transaction limit#

Integration methods#

Direct API#

Create a PaymentIntent#

Checkout#

Create a Session#

Next step#

Webhook#