No more “I’ve sent it, check again.”

The screenshot problem

You know how it goes. Somebody holds up their phone, says they’ve sent it, and there’s a queue behind them. You can’t check your own phone in the middle of a rush, so you nod and let them go. Sometimes the money turns up. Sometimes it’s a screenshot of a payment from last week, or to somebody else’s number.

Tabworthy takes that whole conversation off the counter. The money either arrives or the sale stays open. Nobody has to decide whether to believe anybody.

How a MoMo sale goes

1. Ring up what they’re having, the same as any sale, and tap Checkout.
2. Choose Mobile money and type their number.
3. The prompt lands on their phone. They see the amount, and they approve it with their MoMo PIN.
4. The moment the money arrives, the sale closes on the till by itself and the receipt is ready to send.

While you wait, the till shows the amount and the time left, so you’re never guessing whether the prompt went. If nothing turns up on their phone, it tells them to dial *170# and look in their approvals.

You don’t have to stand there

A MoMo prompt can take a minute. If there’s a queue, tap Keep selling. The sale waits on its own and you carry on serving. When the money lands, the till tells you which sale it closed.

And if they’d rather pay cash after all, Take cash instead turns the same sale into a cash one, change worked out.

Other ways they can pay you

Not everybody wants a prompt. From the same checkout you can:

• Let them send it to your number, the way they already do.
• Send them a link to pay from, when they’re ordering from home or paying for someone else.

A card machine you already have still works too. You mark the sale paid on the card machine, and it’s counted with the rest of the day.

And when somebody has ₵30 in cash and the rest on MoMo, take part of the bill one way and the rest another, in the same checkout. The till counts what’s still left after each part.

Where the money goes

MoMo payments through Tabworthy are handled by Paystack, a licensed payment company. They pay out into the MoMo wallet or bank account you choose, MTN, Telecel or AirtelTigo.

The Payouts screen shows every payment that has landed and exactly which sales it covered. When your MoMo wallet says one figure and the day says another, that’s where you look.

The charge, said plainly

Every MoMo payment through Tabworthy carries a charge of 2.95%: 1.95% to Paystack for moving the money, and 1% to Tabworthy. By default your customer carries it, which is what people in Ghana are used to. On a ₵20.00 bill they see ₵20.00 + ₵0.61 before they approve, and the whole ₵20.00 lands with you.

If you’d rather carry it yourself, switch it in the app. Then they’re asked for ₵20.00 and ₵19.41 lands with you. The MoMo charges guide works it out for any bill.

What it doesn’t do

It can’t take MoMo with no network at all. A prompt has to reach your customer’s phone, so it needs a signal on both ends. When the network’s gone, cash and card-machine sales carry on as normal and everything catches up later.