Your MoMo.
Supercharged.
From instant payment verification to automated USSD transactions, personal finance tracking to multi-line management. One platform for everything MoMo.
Payment Verification
Know the instant payment lands. Automatic matching. Real proof.
USSD Automation
Stop dialing USSD codes from scratch. One-tap transactions.
Personal Finance
Know where your money goes. Auto expense tracking.
MoMo Fleet Manager
All your business lines in one dashboard. Stop checking 5 phones.
Works with all major mobile money networks in Ghana
Payments Verified
Active Merchants
Verification Time
Uptime
Payment Request
K7X2M9
GHS 1,250.00
from 024 XXX 5678
Payment Received
2 seconds ago
Amount Matched
Exact match
Webhook Sent
Your server notified
Verify payments in seconds, not hours.
Create a payment request, share the link with your customer, and know the moment they pay. No more calling to ask "did you pay?" No more fake screenshots. Real verification, instantly.
From payment to notification
HPN codes link payments to orders
Instant server notifications
We verify, not process payments
Stop dialing *170#, *110# from scratch.
Every send money, every cash withdrawal—you dial the full USSD code from the beginning. That's 20+ keypresses per transaction. With Harpoon USSD Automation, it's just phone number + amount + go.
Save USSD Templates
Create templates for Send Money, Cash Out, Airtime—any USSD flow you use daily.
One-Tap Execute
Enter phone and amount, tap once. The app dials the USSD and fills in every step automatically.
Favorites for Regulars
Save frequent recipients. Send to your regulars in 2 taps.
Send Money
024 XXX XXXX
GHS 500.00
Recent
Faster
Transactions
Fleet Overview
5 Lines Active
MTN Main
024 XXX 1234
GHS 12,450
Today
MTN Shop 2
024 XXX 5678
GHS 8,200
Today
Telecel
020 XXX 9012
GHS 3,100
Today
One View
All Lines
Stop checking 5 phones.
Running a business with multiple MoMo lines? You know the pain—checking each phone, tallying transactions manually, hoping nothing slips through. Harpoon brings all your lines into one dashboard.
Unified Dashboard
All your MoMo lines in one view. MTN, Telecel, AT—doesn't matter.
Per-Line Analytics
See which lines perform best. Track daily, weekly, monthly per number.
Team Access
Give staff access to specific lines. Full audit trail of who did what.
Know where your money goes.
Ever checked your MoMo balance and wondered "where did it all go?" Harpoon automatically categorizes your transactions—food, transport, utilities, airtime. Finally, clarity on your spending.
Food, transport, utilities—sorted automatically
See patterns over days, weeks, months
Track money in vs money out
Download for taxes or budgeting
This Month
GHS 4,250
Balance
GHS 1,850
You spent 15% less on food this week compared to last week.
Auto
Tracked
Simple setup, instant results
Create Payment Request
Create a payment request from the mobile app or dashboard.
Customer Pays
Customer pays to your MoMo number.
Instant Verification
You're notified instantly. Done.
Powered by your phone.
Our Android app runs on a phone with your MoMo SIM. When a payment arrives, the app reads the SMS and verifies it instantly.
Works on any Android
Tecno, Infinix, Samsung—Android 8.0+
Runs in background
Low battery usage. No interaction needed.
Your data stays yours
Messages processed locally. We never store SMS.
Keep every cedi.
We verify payments—we don't process them. Zero transaction fees.
0% Transaction Fees
We verify payments—we don't process them.
Instant Settlement
Money is already in your account. No waiting.
Your Number
Customers pay to your MoMo, not a third party.
Flat Pricing
Fixed monthly cost. Scale freely.
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
Built for developers.
Simple API. Real-time notifications. Full documentation.
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.
Online Shops
Verify before you ship.
Restaurants
Confirm before you cook.
Freelancers
Send a link. Get paid.
Events
Sell tickets. Verify instantly.
Subscriptions
Collect recurring payments.
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
"The USSD automation is a game changer. I do 50+ send money transactions daily. Saving templates and tapping once instead of dialing USSD codes every time? That's hours saved."
Kwame A.
MoMo Agent, Kumasi
"I run 4 MoMo lines for my shops. Checking each phone was a nightmare. Now I see all transactions in one place. I know exactly how each location is performing."
Efua S.
Business Owner, Takoradi
"I had no idea where my money was going each month. Harpoon shows me exactly—food, transport, airtime. Now I actually budget and save more."
Yaw K.
Freelancer, Tema
Frequently asked questions
Take control of your MoMo
Verify payments, automate USSD, track spending, manage multiple lines. One app. Free to start.