> ## Documentation Index
> Fetch the complete documentation index at: https://developer.novacpayment.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Create Checkout for Mobile Money Payments

> Learn how to collect GHS mobile money payments using the Novac API.

## Overview

Novac supports mobile money (MoMo) payment collection for Ghana cedis (GHS), allowing
your customers to pay via their MTN Ghana or Telecel Ghana mobile money wallets.

<Info>
  Mobile money collection is currently available for GHS transactions only. Ensure your
  checkout is created with `currency` set to `GHS` before proceeding with this flow.
</Info>

The MoMo flow uses Novac's hosted checkout page. After creating a checkout, redirect your
customer to the returned `paymentRedirectUrl` where they will select their MoMo provider
and enter their phone number. Novac then sends a payment approval prompt to their mobile
money app. Once approved, the customer confirms on the checkout page and the transaction
is settled.

## Prerequisites

<Accordion title="See details" defaultOpen={true}>
  Before initiating a MoMo checkout, you must have:

  * [Create a merchant account](/docs/getting-started/create-merchant-account) — Ensure
    you have an active account with KYC completed.
  * [Obtain API keys](/docs/getting-started/obtain-api-keys) — Required to authenticate
    all requests.
</Accordion>

***

## Create MoMo Checkout Payment

Create a checkout payment using either a [payment link reference](/docs/accept-payment/checkout/create-checkout-with-payment-link-reference)
or a [transaction reference](/docs/accept-payment/checkout/create-checkout-with-transaction-reference).

<Warning>
  You must set `currency` to `GHS` when creating the checkout. This ensures the hosted
  payment page presents Mobile Money as a payment option to your customer.
</Warning>

When the payment has been created, you may redirect your customer to the hosted Novac checkout for them to complete the payment or build a custom UI with the API that powers the momo checkout for custom experience.

***

## Complete the Payment

Redirect your customer to the `paymentRedirectUrl` returned when you initiated a MoMo checkout. On this page,
the customer selects **Mobile Money** as their payment method, chooses their provider,
and enters their phone number.

<Frame description="Customer entering mobile money details on the Novac hosted checkout">
  <img src="https://mintcdn.com/novacpayment/Jb5zMpsWqRJCXfnA/images/create-momo-checkout.png?fit=max&auto=format&n=Jb5zMpsWqRJCXfnA&q=85&s=7b10359d3b3740bf397f7663427bffad" alt="Novac hosted checkout showing mobile money provider selection and phone number entry" width="981" height="722" data-path="images/create-momo-checkout.png" />
</Frame>

Once the customer clicks **Pay**, Novac sends a payment approval prompt to their mobile
money app.

<Note>
  You can also build a custom checkout experience that matches your brand using the API
  that powers the MoMo checkout page. [Learn more about custom checkout](/docs/accept-payment/complete-payment/custom-checkout#momo-custom-checkout-flow).
</Note>

***

## Customer Approves the Payment

After submitting their details, the checkout page transitions to a confirmation screen
instructing the customer to open their MoMo app and approve the pending payment prompt.

<Frame description="Confirmation screen after MoMo payment is submitted">
  <img src="https://mintcdn.com/novacpayment/Jb5zMpsWqRJCXfnA/images/complete-momo-payment.png?fit=max&auto=format&n=Jb5zMpsWqRJCXfnA&q=85&s=bc56e99fe385ee4505bbfa4054a23452" alt="Novac checkout showing Complete Your Payment screen with I Have Made Payment button" width="981" height="754" data-path="images/complete-momo-payment.png" />
</Frame>

Once the customer has approved the payment in their MoMo app, they return to the checkout
page and click **I Have Made Payment** to confirm. The transaction is then settled.

***

## What's Next?

After initiating the MoMo payment, there are two ways to confirm the final transaction status:

* **Webhooks**: Novac will send a webhook notification to your configured endpoint once the customer approves or declines the payment prompt. This is the recommended approach. See [Webhook Events](/docs/api-basics/webhooks) to learn how to set up and handle incoming events.
* **Verify the transaction**: You can also poll the verify endpoint to check the transaction status. See [Verify a Transaction](/docs/accept-payment/manage-payment/verify-transaction).