Pay with MTN MoMo in WooCommerce vs Finachub Mobile Money Checkout for WooCommerce (M-Pesa, Airtel, MTN)

Upgrade to Pro | View Live Demo Finachub Mobile Money Checkout for WooCommerce lets you accept payments from three of Africa’s biggest mobile money networks directly in your WooCommerce store. Customers pay using what they already know and trust: Safaricom M-Pesa, Airtel Money, or MTN MoMo. They receive a payment prompt on their phone and authorize with their PIN. No redirects, no card details, no friction. Supported Payment Networks Safaricom M-Pesa (Kenya): Supports both PayBill and Till Number (Buy Goods) transaction types via the Safaricom Daraja API with STK push. Airtel Money (13 countries): Kenya, Uganda, Tanzania, Rwanda, Zambia, Malawi, Madagascar, Niger, Chad, DR Congo, Republic of Congo, Gabon, and Seychelles. MTN MoMo (10 countries): Uganda, Ghana, Zambia, Cameroon, Benin, Republic of Congo, Eswatini, Guinea-Conakry, South Africa, and Liberia. How the Checkout Works The customer selects their preferred mobile money provider at checkout. They enter their mobile number. The field validates and formats the number automatically for their provider and country. A payment prompt (STK push for M-Pesa, USSD push for Airtel and MTN) is sent to their phone. The customer authorizes the payment with their mobile money PIN. The order is placed on hold, pending payment confirmation. In the Standard edition, you verify and update the order manually. The Pro version handles this automatically via payment callbacks. Why Choose Finachub? Multi-Provider, One Plugin: Manage M-Pesa, Airtel Money, and MTN MoMo from a single WooCommerce payment gateway. Each provider has its own dedicated settings tab. Sandbox and Live Environments: Switch between sandbox and live API environments per provider independently, without touching any code. Built-in Connection Testing: Verify your API credentials directly from the admin dashboard with a single click before going live. Secure by Default: Includes OAuth 2.0 token management with automatic caching, Airtel RSA+AES-256 payload encryption, CSRF protection via WordPress nonces, and SSL warnings. Clean Checkout UI: A grid-based provider selector and smart phone number input with per-provider format validation make the checkout experience clear and intuitive. HPOS Compatible: Fully compatible with WooCommerce High-Performance Order Storage. Standard vs. Pro The Standard (free) edition covers payment initiation, manual order verification, sandbox testing, and admin setup guides. The Pro version adds: Automatic order status updates via payment callbacks Real-time transaction status polling Receipt number tracking Transaction analytics and reporting dashboard CSV export Features Integrated Provider Selector: A branded checkout UI lets customers pick M-Pesa, Airtel, or MTN in one tap. STK and USSD Push: Payment prompts go directly to the customer’s phone. No redirects to external pages. PayBill and Till Number Support: M-Pesa supports both PayBill (with account reference) and Buy Goods (Till Number) transaction types. Per-Provider Phone Validation: Phone numbers are validated and normalized to the correct format for each network and country, client-side and server-side. Sandbox and Live Environments: Each provider has independent environment switching for safe testing without affecting live transactions. Admin Connection Tester: Confirm API credentials for any provider from the admin dashboard with one click. Automatic Token Management: OAuth access tokens are fetched, cached, and refreshed automatically. No manual token handling required. Secure Payload Handling: Airtel Money payloads use RSA-OAEP and AES-256-CBC encryption as required by the Airtel API. M-Pesa requests handle Safaricom’s known IPv6 routing issues automatically. Built-in Setup Guides: Step-by-step API configuration instructions for all three providers are included in the admin dashboard. WooCommerce HPOS Compatible: Declared compatible with WooCommerce High-Performance Order Storage (custom order tables). Modular Architecture: Each provider is a self-contained class implementing a shared interface, making the codebase easy to audit, extend, or adapt. Translation Ready: All strings are fully internationalized using the finachub-checkout-for-m-pesa text domain.

MTN MoMo is a mobile payment system which is available in Uganda, Ghana, Cameroon, Zambia, Swaziland, Rwanda, Ivory Coast, Benin, Guinea-Conakry, Congo Brazza and Nigeria 💥 November 2022 💥 also available in Nigeria 🇳🇬 💥 January 2022 💥 also available in South Africa 🇿🇦 and Liberia 🇱🇷 This plugin allows you to collect payments on your WooCommerce eShop using MTN MoMo in 13 countries 🇬🇭🇨🇲🇺🇬🇿🇲🇸🇿🇷🇼🇨🇮🇧🇯🇬🇳🇨🇬🇿🇦🇱🇷🇳🇬 You must have WooCommerce because we developed this plugin as a WooCommerce payment gateway 🚀 This is a fully functioning plugin not a demo version. It works in both Sandbox (development mode) and in Live (production mode). Please keep in mind that MoMo Sandbox has several limitations imposed by MTN, see them here: Sandbox is not requesting real money, means no USSD request on your phone. no matter how hard you try 😂 In the Sandbox you can only use EUR currency and certain test numbers from Sweden 🇸🇪 🥶 Sandbox is not able to callback your application, to notify about payment status. This one is a sad limitation. 😞 Test phones numbers to test for error conditions are limited to 46733123450, 46733123451, 46733123452, 46733123453 Only this number will be able to “pay” after 30 seconds 46733123454 😎 All other numbers will act like the payment was successful immediately! How to use Install and activate WooCommerce plugin before activating this plugin Select EUR as your WooCommerce currency if you want to test in Sandbox Select your target currency if you have done KYC process with MTN (see below for more) Install and activate this plugin Enter your Merchant name, MTN phone number and Email to receive notifications Continue to the next step, see below Plugin setup for MTN MoMo Sandbox – no real payments 🤮 Visit MoMo API Developer portal and sign-up 📧 Enable Collection API (NOT the Collection Widget API please) Get Sandbox Collection Primary key and enter it in the Plugin settings Test payments in Sandbox you can only use EUR currency IMPORTANT for Rwanda use https://momodeveloper.mtn.co.rw to sign-up and get the keys! Plugin setup for MTN MoMo Live – with real payments 💰😎 Visit MoMo API Developer portal and submit your KYC documents 📝📝📝 ⌛ Wait for the MTN to process your application and send you access to the Partner Portal and API management dashboard ⌛ Login to the momoapi.mtn.com and get your Live Collection Primary key 🔑 Login to the MTN Partner Portal and generate API user and API key 🔑 Enter Collection Primary key, API user and API key in the Plugin settings Accept payments! 💰💰💰 IMPORTANT for Rwanda use https://momodeveloper.mtn.co.rw/go-live to go Live! Get Collection Primary key here https://momoapi.mtn.co.rw Recently we got many reports that https://momodeveloper.mtn.co.rw Portal is not stable, so we advice to use https://momodeveloper.mtn.com instead. Please check the Rwanda FAQ below for more information. Supported currencies EUR (Sandbox only, no real payments) GHS Ghana / Ghanaian Cedi UGX Uganda / Ugandan Shilling XAF Cameroon / Central African CFA franc RWF Rwanda / Rwandan Franc XOF Benin / West African CFA franc XOF Ivory Coast / West African CFA franc XAF Congo Brazza / Central African CFA franc SZL Eswatini/Swaziland / Swazi Lilangeni GNF Guinea-Conakry / Guinean Franc ZMW Zambia / Zambian Kwacha ZAR South Africa / South African Rand LRD Liberia / Liberian dollar & USD NRN Nigeria / Naira ** IMPORTANT Do not forget to select your country and the currency in WooCommerce settings ** DEMO eShop – in Sandbox mode No real payments can be done, eShop currency EUR demo.momo.clickon.ch How to get Support You have several ways to request support for this plugin: You can send us an Email to [email protected] 🙋📧 Submit your question to the plugin discussion board on wordpress.com 🙋🗣️ Visit MTN MoMo Skype forums (ask for Mindaugas) 🙋😋 We will be more than happy to help you! 👍 Disclaimer ClickOn GmbH, the company behind this plugin and MTN MoMo Gateway, are not affiliated with MTN or WooCommerce. Please keep this in mind. 😎 This is a free plugin with Free gateway package, upgrade to Pro for more features, drop us an Email to [email protected] Privacy policy Please check our Privacy policy and see how we are handling your private data like name, phone numbers, Email address and any other data.