MTN mobile money allows for a fast and efficient Driver Wallet and Customer Wallet top-up. It is a great alternative to regular card top-up as one does not have to add any cards to in-app Wallet but rather use the balance of their MTN account.
MTN is added on a Merchant level by a Brand or a Merchant manager and activated for a company in My hub.
MTN is integrated via Flocash payment gateway and works for Uganda, Zambia, South Sudan, Rwanda, Ghana, Cameroon and Ivory Coast.
To enable MTN payment method on wallet top-ups a company should:
Have a merchant account with Flocash
Activate Customer Wallet
Subscribe drivers to driver plans
To add MTN for Driver and Customer Wallet top-ups, proceed to the tab “Payment gateways” > select MTN in “For wallet top-up only” > tap PROCEED > choose Flocash from the drop down list of payment gateways, fill out all the keys and tap “SAVE” to finalise.
Once that is done, proceed to My Hub > Company Settings > Payment gateways and enable Flocash for MTN.
All set! Now your customers and drivers are able to top their Wallets up with MTN as follows:
Access Wallet in Customer/Driver app
Select MTN
Fill in “MTN payer details” > Continue
Specify the top-up amount > Continue
Follow the steps on the next screen as per Step 1, Step 2, Step 3 instructions
Review payment status on the final screen and check the copy of the invoice sent to the email you specified at top-up
Here is a sample of Wallet top-up flow with MTN via Customer app.
If the payment with MTN is successful the transaction will be shown in Wallet transaction history of one’s Customer or Driver app.
One can check all customer Wallet top-ups and other transactions in My hub.
One can track all driver Wallet top-ups with mobile money in Drivers transactions report guide and a driver’s profile “Transactions” in My Hub.
In case the payment fails a relevant message will appear of the app screen.
User's MTN details are stored in the app and can be used for further wallet top-ups with MTN. Alternatively, one can always update MTN details used for previous payments with new ones.
If Customer Wallet top-up limit is set, one will not be able to affect a top-up that exceeds the limit.
If “Transaction fee” is added in Flocash for “For wallet top-up” it will apply for each customer Wallet top-up with MTN.
Transaction fee does not apply for driver Wallet top-up. To avoid transaction fees on small top-ups one may want to set a higher Minimum payment amount.
3DS is not supported for wallet top-up with “mobile money” payment methods.
IMPORTANT
One may choose to have separate merchant accounts for 1 company:
One - for regular card payments/direct customer Wallet/driver Wallet top-ups with cards.
Another one - for wallet top-up with MTN payments.
For that, the company has to add 2 separate payment records in Merchant one by one and activate them in My Hub.
Get more insights on mobile money wallet top-up options in:
Consult our Adding a payment gateway video to get all the details on activating a payment gateway!