Identity
Validation mode: Guided USSD
After your request, MTN sends an SMS to the customer with the transaction reference and the USSD code to dial to approve the payment. The customer dials this code on their phone — they reach a USSD menu asking them to confirm with their MoMo PIN. No extra input on the merchant side: the callback remains the source of truth. Example SMS received by the customer:The SMS arrives within seconds, but the customer may take several minutes to read it and dial the USSD. Keep the waiting state until the callback arrives.
Recommended UX
1
Collect the customer's number
Your form only collects the MTN phone number. No OTP to collect at this stage.
2
Submit the request
Request with the number in
customer and otp: "".3
Show a waiting message
After submission, display:
“You will receive an SMS on your phone with the instructions to validate the payment. Dial the USSD code shown and confirm with your MoMo PIN.”Keep the waiting state until the callback arrives.
Request example
Expected response
Limits
Related pages
- Validation modes — Guided USSD — flow details
- Create a transaction — full endpoint reference
- Verify the status — call
confirmafter the callback
