MTN MoMo & Airtel Money API Integration in Uganda — Developer Guide

Mobile money is the backbone of digital payments in Uganda. With over 25 million MTN MoMo users and millions of Airtel Money users, integrating mobile money into your website or app is essential. Here's how to do it.

MTN MoMo API Integration

MTN MoMo offers two API products: Collections API (for receiving payments) and Disbursements API (for sending money). To integrate: register as a developer on momo.developer.mtn.com, get your API key and user credentials, create a subscription, and implement the OAuth 2.0 flow for access tokens.

Airtel Money API Integration

Airtel Money offers similar APIs for collections and disbursements. Register at developers.airtel.africa, get your credentials, and implement the payment flow. Airtel Money supports both USSD push and QR code payments.

Pesapal Integration (All-in-One)

If you want to accept MTN MoMo, Airtel Money, Visa, Mastercard, and more through a single API, use Pesapal. Pesapal aggregates multiple payment methods and handles the complexity for you. DeryCode is experienced in Pesapal integration for Ugandan businesses.

Common Integration Challenges

• Webhook reliability — ensure your callback URL is publicly accessible with HTTPS
• Transaction verification — always verify payments via status check API
• Error handling — handle timeouts, network failures, and duplicate payments gracefully
• Sandbox vs Production — test thoroughly in sandbox before going live

How DeryCode Can Help

DeryCode has integrated mobile money for SACCOs, e-commerce platforms, booking systems, and the DeryCoin ecosystem. We handle the full integration: API setup, payment flow design, webhook handling, security, and testing. Contact us on WhatsApp +256 772 002 326.