How to accept mobile money at your shop and avoid fake payments
Mobile money is how most customers in Ghana pay, and it is also where most disputes begin. A short routine at the till protects you.
Step 1: Show one clear number
Display the shop MoMo number and name at the till. Ask the customer to confirm the name that appears before they send.
Step 2: Check your own phone, not theirs
Wait for the confirmation message on your own phone or MoMo app. A screenshot on the customer’s phone can be edited and is not proof by itself.
Step 3: Record the transaction ID
Type the MoMo transaction ID into the sale and keep the screenshot with it. Later you can match the sale to your statement.
Step 4: Give a receipt that can be verified
A receipt with a unique code lets a customer or a manager confirm the sale is real.
Step 5: Reconcile every evening
Compare the day’s MoMo total in your reports with your wallet balance and statement. Any difference should be explained the same day.