Open Collections

Get every incoming MoMo payment pushed to your server.

Open Collections is for businesses that ask payers to put their own reference (account ID, invoice number, customer code) in the MoMo reference field, instead of issuing a Harpoon HPN code per payment. Every incoming payment that doesn’t match an HPN code is forwarded to your endpoint, and you reconcile against your own ledger.

If you can issue a fresh HPN code per payment, use the Payments API instead — you get per-transaction state, hosted checkout, and exact-amount matching.

In this section

Setup

Configure the endpoint and grab the secret.

Payload & Signatures

What we send and how to verify it.

Management

Update, test, or remove the endpoint.

Things to know

One endpoint per team.
Incoming payments only. Outgoing transfers, refunds, and balance updates are not forwarded.
Each forwarded payment counts as one verified transaction against your plan.
Available on enterprise plans only — contact sales to enable it.