Ghana Mobile Money | CrissCross

Mobile money in Ghana (GHA) is available through the operators below. Set payerDetails.location to GHA on the checkout session and pass the operator’s provider slug on the payment. The operators enabled for your account are configured during onboarding.

For how a payment works, what you collect, sandbox testing, and error codes, see the Mobile Money overview. For the end-to-end API sequence, see Direct API: Mobile Money.

Operators

Operator	`paymentDetails.provider`	Approval flow
MTN MoMo	`mtn`	Handset prompt or SMS OTP
AirtelTigo Money	`airteltigo`	Handset prompt or SMS OTP
Telecel Money	`telecel`	Handset prompt or SMS OTP

The authorization flow can vary by the route enabled for your account. Treat authState as the source of truth: pendingApproval means the customer approves on their handset, while fields asks you to collect the single otp field and submit it with POST /v1/payment/authorize. Hosted Checkout handles both flows automatically.

GHS only

Ghanaian mobile money collects in GHS. Set currency (or collectionCurrency on an FX-enabled session) to GHS when you create the session. A payment that reaches these operators in any other currency is rejected with INVALID_CURRENCY rather than converted.