MoMo

Introduction

MoMo uses a redirect-based payment flow. When a customer selects MoMo at checkout, they are redirected to MoMo's app or web interface to authenticate and confirm their payment, then redirected back to your website or app upon completion. MoMo is a single-use payment method where customers must authenticate each payment.

This guide explains the process of integrating MoMo into your app or website using Payrails.

Pre-requisites

Before you start accepting MoMo payments with Payrails, there are a few requirements you must meet:

1. Integrate with Payrails using one of our SDKs or our API
2. Configure a new integration account for MoMo via dLocal as a Payment Service Provider. If you do not have a dLocal integration already configured in your workspace, please follow the dLocal integration setup guide first.
3. Enable MoMo as a payment method in your dLocal integration configuration. In the Payrails portal, navigate to Settings → Integrations, select your dLocal integration instance, and enable the MoMo checkbox under Payment methods, then save the account.
4. Enable MoMo as a payment option in your workflow.
5. Make sure you're sending the MoMo-specific meta fields (including the customer's phone number) in your requests.

Ways to integrate MoMo

Payrails SDK

The simplest way to use MoMo with Payrails is to use our drop-in in your checkout flow. With this integration type, no additional work is required to accept payments with MoMo except for handling success/failure screens for your users.

For a more flexible implementation using our SDK, you can use our genericRedirectButton element. See special instructions here for your client-side implementation.

Server-to-server integration

You can integrate MoMo by completely managing your own client-side implementation, and using Payrails APIs with a server-to-server integration to process MoMo payments.

Parse MoMo from lookup response

With a server-to-server integration, you can call our lookup payment options endpoint to get available payment options. As shown in the example below, you can see momoVN returned as an option of the paymentCompositionOptions.

{
  "name": "lookup",
  "actionId": "0bb6413e-cabb-4074-99e6-9e815c69f25b",
  "executedAt": "2026-03-26T12:00:00.000000000Z",
  "data": {
    "paymentCompositionOptions": [
      {
        "integrationType": "redirect",
        "paymentMethodCode": "momoVN",
        "description": "MoMo"
      }
    ]
  },
  "links": {
    "execution": "https://api.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424",
    "authorize": {
      "method": "POST",
      "href": "https://api.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424/authorize"
    }
  }
}

Pass MoMo payment method in request to authorize payment with Payrails

You can then make a request to our authorize a payment endpoint with momoVN as the paymentMethodCode. See an example below:

{
  "executionId": "c0fd1c51-e709-47e5-bfd1-5d1c98f7d990",
  "amount": {
    "value": "700000",
    "currency": "VND"
  },
  "paymentComposition": [
    {
      "integrationType": "redirect",
      "paymentMethodCode": "momoVN",
      "amount": {
        "value": "700000",
        "currency": "VND"
      }
    }
  ],
  "meta": {
    "customer": {
      "name": "Nguyen Van A",
      "email": "[email protected]",
      "phone": {
        "number": "0399999999",
        "countryCode": "84"
      },
      "country": {
        "code": "VN"
      }
    }
  },
  "returnInfo": {
    "success": "https://mysuccessurl.com",
    "error": "https://myerrorurl.com"
  }
}

Note on amounts: VND uses 2 decimal places but is typically quoted as whole numbers. Amounts should be provided in the smallest currency unit — e.g., 700000 for ₫7,000.

Note: MoMo is a redirect-based, single-use payment method. After calling the authorize endpoint, the customer will be redirected to MoMo's interface to authenticate and confirm the payment. The customer has up to 10 minutes to complete the payment. Once confirmed, the customer will be redirected back to the returnInfo.success URL. Make sure to provide valid returnInfo URLs in your authorization request.

Handle the redirect response

After the customer completes the payment on MoMo's side, they will be redirected back to your success or error URL. You should then verify the payment status by checking the workflow execution status via the Payrails API or by listening to webhook notifications.

Supported currencies

MoMo via dLocal supports the following presentment currency:

• VND — Vietnamese Dong

Supported regions / countries

Customer regions

MoMo is available to customers based in:

• Vietnam 🇻🇳

Merchant regions

Merchants enabled for Vietnam can accept MoMo payments via dLocal.

Supported workflows and services