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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.

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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.
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.
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.

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Prerequisites

See details

Before initiating a MoMo checkout, you must have:

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Create MoMo Checkout Payment

Create a checkout payment using either a payment link reference or a transaction reference.
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.
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.

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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.
Novac hosted checkout showing mobile money provider selection and phone number entry
Once the customer clicks Pay, Novac sends a payment approval prompt to their mobile money app.
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.

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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.
Novac checkout showing Complete Your Payment screen with I Have Made Payment button
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.

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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 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.