About Tap2MoMo
We are building a way to pay a Ghanaian business that needs no app, no card and no terminal — just a tap and the mobile money wallet almost everyone already has.
Mobile money already works in Ghana. What does not work is the last few seconds at the counter: reading a number aloud, typing it wrong, waiting while somebody checks a phone, or falling back to cash and the change problem that comes with it. Tap2MoMo is aimed at exactly those seconds and nothing else.
A tamper-proof NFC tag sits on the counter. The customer taps it with any NFC phone, sees the merchant’s registered name and code before any amount is entered, types the amount and their number, and approves the prompt in their own mobile money menu. There is nothing to install and no account to create, because asking a customer at a counter to install something is where most merchant-present payment products in the region have died.
Tap2MoMo is in pilot preparation for Ghana in 2026. It holds a Dedicated Electronic Money Issuer licence, and it is still not a service you can sign up for and start taking money on today. Nothing has been filed with any regulator yet. We would rather write all of that down here than have a merchant discover any of it after signing something.