Authentication
The authentication flow provisions all credentials needed before any product API can be called. Every step is exposed as a Flow> except where noted; collect the flow inside a coroutine scope and handle Loading, Success, and Error states.
Collection
Collection APIs let you request payments from customers, check transaction status, send delivery notifications, manage invoices, and handle pre-approvals.
Disbursements
Disbursements APIs let you send money to Mobile Money accounts (transfers), credit accounts directly (deposits), and reverse transactions (refunds), plus query the status of each.
Remittance
Remittance APIs let you send international transfers to Mobile Money accounts and check their status. Two flows are available: the legacy V1 transfer and the V2 cashTransfer, which extends the payload with optional KYC fields about the sending party for cross-border compliance.
Account
Account APIs retrieve subscriber information and validate account status. They are shared across all product types (Collection, Disbursements, Remittance) — pass the appropriate productType and productSubscriptionKey for the product you are using.
Callbacks
MTN MoMo can POST the result of an asynchronous transaction to a URL you control, instead of you polling the status endpoint. You opt in by supplying a callback URL, which the SDK attaches as the X-Callback-Url header.