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MTN MoMo — Collection API.

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Covered countries

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URLs

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Required credentials

Enter these in Settings → Stores → MTN:

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Specifics

  • Dual authentication: MTN requires both the Ocp-Apim-Subscription-Key header and an OAuth bearer token obtained via POST /collection/token/ using Basic auth (api_user:api_key).
  • The token is cached in memory with a 60-second safety margin before expiry.
  • The X-Target-Environment: sandbox header is required in sandbox mode.
  • The X-Reference-Id header (UUID) must be unique per request — SandPay generates one automatically.
  • msisdn values are sent without the + in the payload (partyId).

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Native error codes mapped

Native MTN error codes are translated to canonical SandPay statuses (SUCCESS, PIN_INVALID, INSUFFICIENT_FUNDS, ACCOUNT_BLOCKED, …). See frontend/lib/operators/_errors.ts in the repo for the full mapping table.

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See also