In Ghana, Mobile Money (MoMo) is not optional at the counter — it is how millions of customers pay every day. MTN Mobile Money, Telecel Cash, and AirtelTigo Money sit alongside cash and card. The problem for shop owners: at closing time, how much came in via MoMo versus cash? If you only track total money in the drawer, your records are wrong and your accountant notices.
Why MoMo makes manual record-keeping hard
- MoMo goes to your phone wallet, cash goes to the drawer — two separate piles
- Staff may forget to note which sales were MoMo
- End-of-day reconciliation takes longer than it should
- You cannot see payment method trends (are customers shifting to MoMo?)
- Disputes with staff or customers lack a clear receipt trail
How Retill records MoMo at checkout
At POS checkout, select the payment method for each sale:
- Cash — Amount received and change calculated automatically
- Mobile Money (MoMo) — Recorded as MoMo on the receipt and in reports
- Card — For POS terminal or bank card payments
Every sale stores its payment method. Your Overview dashboard shows customer payment method breakdown — cash vs MoMo vs card — so you understand how your customers actually pay.
Reconciling MoMo and cash at closing
- Open Retill Overview or generate a daily sales report
- Compare total MoMo sales in Retill to your mobile wallet credits for the day
- Compare total cash sales to physical cash in the drawer
- Investigate any gap immediately — while the day is still fresh
This takes minutes with Retill. Without it, shop owners spend 30–60 minutes every evening guessing.
MoMo + credit sales
When a credit customer makes a partial MoMo payment, record it as a deposit on their customer account. Retill links the payment to their balance — whether they paid cash or MoMo.
Why Ghana shop owners choose Retill for payments
Foreign POS systems often ignore MoMo or treat it as a generic "digital payment." Retill is built in Ghana for Ghana payment habits — MoMo is a first-class payment method at checkout, not an afterthought.