Back to Blog

How to Accept Mobile Money Payments for Your Small Business

5 July 2026KudiFlow AI TeamMobile MoneyMoMoPaymentsSMEGhana

Mobile Money has become the backbone of Ghana's economy. From paying for groceries to settling business invoices, MoMo is everywhere. If your business does not accept mobile money payments, you are leaving money on the table.

Why Accept MoMo Payments?

  • **Customers prefer it** — over 65% of Ghanaian adults use Mobile Money
  • **No cash handling** — reduce theft risks and change-making errors
  • **Faster settlements** — funds hit your wallet instantly
  • **Track payments automatically** — every transaction is recorded

    • Three Ways to Accept MoMo with KudiFlow

    1. Payment Links

    Generate a payment link and share it via WhatsApp, SMS, or social media. The customer clicks, enters their MoMo PIN, and you are paid. No website needed.

    2. QR Codes

    Display a GhQR code at your shop. Customers scan and pay instantly from any mobile money wallet. Works with MTN MoMo, Telecel Cash, and AirtelTigo Cash.

    3. USSD Collections

    For customers who visit in person, dial USSD codes to request payment on the spot.

    How It Works

    1. Create a payment request in the KudiFlow dashboard

    2. Choose the amount and customer phone number

    3. KudiFlow sends a payment link or displays a QR code

    4. Customer completes payment using their MoMo wallet

    5. You receive instant confirmation and the amount is credited to your KudiFlow balance

    Fees

    MoMo transactions are processed through Moolre, a licensed payment service provider. Fees start at approximately 1-1.5% per transaction, depending on your plan.

    Get Started

    Sign up for KudiFlow's Growth plan (GHS 29/month) to start accepting Mobile Money payments today. Includes a 14-day free trial.