Payment Received
GHS 250.00
Verified
Order #1234
Payment Received
GHS 1,500.00
Know Every Payment. Instantly.
Stop checking SMS. Stop chasing confirmations. Harpoon verifies your MoMo payments in real-time—so you can focus on your business, not your inbox.
Today's Payments
GHS 4,750.00
12
Payments
100%
Verified
3s
Avg. Time
Recent Payments
Ama Serwaa
2 min ago
+GHS 500.00
Kofi Mensah
15 min ago
+GHS 1,200.00
Yaw Asante
1 hour ago
+GHS 350.00
0% Fees
Always
Instant
Settlement
Works with all major mobile money networks in Ghana
Payments Verified
Active Merchants
Verification Time
Uptime
Get paid in 3 simple steps
No complex integration. No waiting for approvals. Start accepting payments in minutes.
Create Payment Request
Generate a payment link or unique HPN code from your dashboard. Share it with your customer.
Customer Pays
Customer sends MoMo to your number with the reference code. Money goes directly to you.
Instant Verification
We detect the payment and notify you automatically. Webhook fires, order confirms. Done.
Problems solved, automatically
Every feature addresses a real pain point merchants face with mobile money payments.
Real-Time Verification
"Did they actually pay?" Know instantly. Get confirmation the moment money hits your account.
Automatic Matching
"I spend hours checking SMS." Not anymore. HPN codes link payments to orders automatically.
Verified Proof
"Fake screenshots cost me money." Every confirmation is cryptographically verified and auditable.
API & Webhooks
"I can't integrate MoMo into my app." Now you can. Simple API to add verification to any system.
Direct Settlement
"Money takes days to reach me." Not here. Payments go straight to your MoMo—we never hold your funds.
Multi-Number Dashboard
"I manage 3 different MoMo lines." One dashboard for all your mobile money accounts.
Keep 100% of your revenue. Every time.
We verify payments—we don't process them. That's why we charge zero transaction fees. Traditional processors take 1.5-2.5% because they move your money. With Harpoon, money goes directly to your MoMo. We just confirm it happened.
0% Transaction Fees
Payments go directly to your MoMo. We never touch your money.
Instant Settlement
No waiting for daily or weekly payouts. Money is already in your account.
Keep Your Number
Customers pay to YOUR MoMo number, not a third party. Your brand, your relationship.
Predictable Costs
Flat monthly subscription, not a percentage of your revenue. Scale without worry.
Monthly Volume
GHS 100,000
Traditional Processors
~2% transaction fees
-GHS 2,000
With Harpoon
0% transaction fees
GHS 0
Your yearly savings
GHS 24,000
The verification API you've been waiting for.
Clean REST API, real-time webhooks, and comprehensive documentation. Add MoMo payment verification to any system in minutes.
from flask import Flask, request
app = Flask(__name__)
@app.route('/webhook/payment', methods=['POST'])
def handle_payment():
data = request.json
# Payment verified automatically
if data['status'] == 'verified':
amount = data['amount']
reference = data['reference']
# Update your order status
update_order(reference, 'paid')
return {'status': 'ok'}Trusted by businesses across Ghana
From small shops to growing startups, businesses use Harpoon to accept payments.
E-commerce
Verify payments instantly before shipping orders. No more chasing customers.
Restaurants & Delivery
Accept payments at point of sale. Confirm orders before preparing food.
Freelancers
Send payment links to clients. Get paid without sharing bank details.
Events & Tickets
Sell tickets with automatic payment confirmation. No manual verification needed.
Subscriptions
Collect recurring payments from members, tenants, or subscribers.
Loved by merchants
See what Ghanaian business owners say about accepting payments with Harpoon
"Before Harpoon, I'd wait hours to confirm customer payments. Now I know instantly when money hits my account. No more calling customers to ask 'did you pay?'"
Akosua M.
Shop Owner, Accra
"I accept payments on 3 different MoMo lines. Harpoon lets me see all incoming payments in one dashboard. My customers get instant confirmation."
Kwame A.
Electronics Dealer, Kumasi
"A customer once claimed they paid but I had no record. With Harpoon, I can search any payment in seconds. No more 'he said, she said' - I have proof."
Efua S.
Food Vendor, Takoradi
Frequently asked questions
Stop chasing confirmations. Start knowing.
Join hundreds of Ghanaian merchants using Harpoon for instant MoMo payment verification. Zero transaction fees. Setup takes 5 minutes.