AT Money (AirtelTigo Money Ghana)

Country: Ghana (GH) | Payment Rail: e_wallet

DigitalWallet Market Adoption: 15%

AT Money (AirtelTigo Money) is a major telecom mobile wallet in Ghana, enabling instant USSD transfers and automated subscription debits.

🔄 User Payment Flow

Customer selects AT Money (AirtelTigo) at checkout and inputs phone number
Customer receives USSD push prompt on their mobile device
Customer enters AT Money PIN to confirm payment
AT Money clears wallet balance and returns instant payment token to merchant

⚙️ Characteristics & Settlement

Instant Payment	YES
Supports QR	YES
Supports Recurring	YES
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant API calls acquiring gateway for AT Money session token
PSP issues payment token and USSD push payload
PSP receives clearing webhook notification and confirms order status