FAQ
Common questions.
Do customers need an app or account?
No. They pay with their normal MoMo menu (USSD or app) and type the reference. The payment page works in any browser.
Which networks are supported?
MTN MoMo, Telecel Cash and AirtelTigo Money payments into a Ghanaian MoMo number or merchant ID.
Do you charge per transaction?
No transaction fees from LokiPay — money goes straight to your MoMo wallet. We charge for deployment and support; talk to us.
What if the customer forgets the reference?
They tap “I have paid” and enter the Transaction ID from their MoMo SMS. See claims.
What if the relay phone is off?
Customers can still claim; payments verify as soon as the phone comes back and uploads its queued SMS (and the inbox backfill catches anything missed). You’re alerted within minutes if a phone goes offline. You can also paste an SMS in the dashboard.
Can I use several MoMo numbers?
Yes — pair one relay phone per SIM. Payments match by Transaction ID regardless of which phone relays the SMS. The receiving account shown to customers is set in Settings.
Can a customer pay more than once with the same transfer?
No. A Transaction ID can verify only one payment, ever.
Is the relay app on Google Play?
No — Google Play restricts SMS permissions. You install it from your deployment’s /download page, and it updates itself from your dashboard.