Mobile money

In many markets, people pay with mobile money instead of a bank. Bridge supports it both ways:

Onramp: your customer pays fiat from their mobile money wallet.
Offramp: your customer receives fiat in their mobile money wallet.

Mobile money is available for GHS, with more fiat currencies on the way. The examples on this page use GHS.

Networks

For GHS:

Network	Code
MTN	`0004`
Vodafone	`0006`
AirtelTigo (Airtel)	`0005`
AirtelTigo (Tigo)	`0009`

You can get this list from List mobile money networks.

Collecting fiat (onramp)

With mobile money, your customer doesn’t make a transfer. Instead, we send a payment request to their phone and they approve it.

Get a quote

Use "source_currency": "GHS" and "payment_method": "momo".

Create the onramp with a payer

Add a payer with the wallet that will pay:

{
  "customer_id": "cus_4hT9pL2mQx8VnR3tY7wZ1cB5dE",
  "quote_id": "qte_2mQ9xLp3VnR7tY1wZ4cB6dE8fK",
  "payment_details": {
    "type": "stablecoin",
    "currency": "USDC",
    "details": {
      "address": "0x5aAeb6053F3E94C9b9A09f33669435E7Ef1BeAed",
      "network": "base"
    }
  },
  "payer": {
    "type": "momo",
    "currency": "GHS",
    "details": {
      "bank_code": "0004",
      "account_number": "0241234567",
      "account_name": "Kwame Mensah"
    }
  }
}

account_name must be the name the mobile money wallet is registered to. A different name is refused.

Read the next step

The response’s deposit.details tells you what happens next:

"deposit": {
  "type": "momo",
  "currency": "GHS",
  "details": {
    "phone_number": "0241234567",
    "network": "MTN",
    "next_step": "OTP",
    "instruction": "Enter the code sent to the customer's phone"
  },
  "amount": "1500"
}

Show instruction to your customer. next_step can be:

OTP: your customer gets a one-time code by text message or WhatsApp. Collect it and send it to us (next step).
Another value or null: your customer approves the payment on their phone. There’s nothing else for you to send.

Send the code (if asked)

curl -X POST https://sandbox.core.linkio.world/api/payments/pay_8fK2mQ9xLp3VnR7tY1wZ4cB6dE/otp \
  -H "X-BRIDGE-API-Key: $BRIDGE_API_KEY" \
  -H "API-Version: 2026-10-29-atlas" \
  -H "Content-Type: application/json" \
  -d '{ "otp": "123456" }'

{
  "status": "success",
  "message": "Code submitted; approve on the phone if asked"
}

Your customer approves

They may be asked to approve on their phone. Once they do, the payment moves to fiat_received and then completed.

Code errors

Status	Message	Why
`422`	`otp must be the 4 to 8 digit code from the phone`	The code isn’t 4 to 8 digits.
`422`	`This payment is not waiting for a code`	It’s not an onramp, or it’s already finished.
`422`	`This payment does not take a code`	This payment doesn’t use codes.
`404`	`Payment pay_… not found`	Wrong payment ID.

If your customer declines the request on their phone, or doesn’t approve it in time, the payment moves to failed. Create a new quote and payment to try again.

Paying out fiat (offramp)

Create an offramp with "payout_method": "momo" in the quote, and the wallet in payment_details:

"payment_details": {
  "type": "momo",
  "currency": "GHS",
  "details": {
    "bank_code": "0004",
    "account_number": "0241234567",
    "account_name": "Kwame Mensah"
  }
}

Field	Rule
`bank_code`	The network code, for example `0004` for MTN
`account_number`	The mobile money number, 10 to 12 digits
`account_name`	The wallet holder’s name, 2 to 100 characters

The rest works like any offramp.

Get started

Set up your account

Before you build

Core flows

Webhooks

Errors

Networks

Collecting fiat (onramp)

Code errors

Paying out fiat (offramp)

​Networks

​Collecting fiat (onramp)

​Code errors

​Paying out fiat (offramp)

Networks

Collecting fiat (onramp)

Code errors

Paying out fiat (offramp)