MoMAG
Mobile Money Advocacy Group
About Harpoon
Harpoon SMS verifies Mobile Money payments the moment they land. We turn the SMS notifications your phone already receives into real-time payment confirmations for your business — no payment-gateway integration, no waiting for batch reconciliation, no manual screenshots.
What we do
Real-time verification
The moment a MoMo SMS hits the merchant's device, Harpoon understands it, matches it to the pending payment, and notifies the seller. Customers walk out paid-up; merchants walk out sure.
Built for Ghana
MTN MoMo, Telecel Cash, AT Money — all three networks, all the message variants, the reference codes payers actually type. Designed around how Ghanaian merchants already take payment.
Developer APIs
A REST API and webhooks that any e-commerce site, POS, or backoffice tool can wire into in an afternoon. Initialize a payment, get a callback when it lands.
For everyone selling
From a food stall taking ten payments a day to a SaaS billing thousands of subscribers, the same verification pipeline scales without changing how you accept money.
Our mission
Mobile Money is how Ghana sends and receives money. Yet for the businesses that depend on it, every transaction still requires a manual look at the phone. We're building the layer that makes Mobile Money payments first-class for commerce — verifiable, programmable, and visible — without forcing anyone off the rails they already trust.
Partners
Harpoon is proud to work alongside organizations advancing Mobile Money commerce in Ghana.