Campaign targets commercial drivers with GHQR payments, digital records and rewards
MobileMoney Fintech LTD (MMFL) has launched the “Ride with MoMo” campaign, a nationwide initiative aimed at transforming Ghana’s transport sector through digital fare payments and reducing dependence on cash transactions.
.The initiative, launched in Accra, is aimed at enabling commercial drivers to receive passenger fares digitally through MoMo merchant accounts using the Ghana Quick Response (GHQR) payment system. The platform will allow passengers to make instant payments by scanning drivers’ QR codes through supported mobile money wallets and banking applications, reducing reliance on cash and improving the efficiency and security of fare collection within the transport sector.
The campaign is being implemented in partnership with the Ghana Interbank Payment and Settlement Systems (GhIPSS) and the Digital Transport Workers Union (DTWU), with a focus on supporting taxi operators, ride-hailing drivers, haulage operators, pragya riders and other commercial transport service providers to adopt digital payment solutions.
The initiative aims to boost the safety of drivers and passengers by cutting down on cash transactions, making fare collection more transparent, and encouraging greater financial inclusion for commercial transport operators.
Cash challenges inspired ‘Ride with MoMo’ campaign – Shaibu Haruna
Speaking at the launch, the Chief Executive Officer of MobileMoney Fintech LTD, Shaibu Haruna, said the campaign was introduced to address the challenges associated with cash transactions in Ghana’s commercial transport sector.
He said reliance on cash makes it difficult for transport operators to effectively manage revenue and accurately track business performance, as many commercial drivers still depend on manual processes and personal mobile money wallets for receiving fares.
Mr. Haruna explained that the use of personal wallets makes it difficult for drivers to separate business income from personal expenditure and establish reliable transaction histories that could support access to credit and other financial services.
He said migrating commercial drivers onto merchant mobile money accounts would create reliable digital transaction records, improve financial management and support business growth.
Mr. Haruna added that the campaign was developed after identifying key operational challenges faced by drivers, including cash handling, revenue tracking and securing their daily earnings.
How ‘Ride with MoMo’ works
Mr. Haruna explained that the campaign would transition commercial drivers from personal mobile money wallets to dedicated MoMo merchant accounts.
Under the initiative, registered drivers will receive unique GHQR codes to be displayed inside their vehicles, allowing passengers to scan and pay fares instantly using the MoMo App or any banking application that supports GHQR payments.
He said the system would eliminate disputes over change, reduce delays after journeys and provide a safer alternative to carrying physical cash.
“It means no more arguments over change, no unnecessary delays in traffic and no need to carry large sums of cash. The passenger pays the exact fare and the driver receives payment instantly,” he said.
Mr. Haruna added that long-distance drivers and haulage operators would particularly benefit from improved security since they would no longer need to travel with large amounts of cash.
Drivers to receive rewards for adopting digital payments
As part of efforts to encourage adoption, Mr. Haruna announced an incentive package for drivers who register as MoMo merchants and actively use the platform.
He said drivers would earn reward points redeemable for fuel vouchers and vehicle maintenance vouchers, while consistent users would accumulate additional points. Top-performing merchants, he added, would receive vehicle upgrade packages.
“We are rewarding consistency because we want digital payments to become part of everyday transport operations across Ghana,” he said. He encouraged drivers to register for merchant accounts to receive their QR codes, stickers and vehicle decals.
Mr. Haruna also urged the leadership of the Digital Transport Workers Union to promote the initiative among its members nationwide.
“We are beginning with the Digital Transport Workers Union because it is an organised body. When leadership embraces change, members follow. Together, we can accelerate the transition to safer and more efficient digital payments within Ghana’s transport sector,” he said.
Digital records will strengthen drivers’ businesses – Abdul Razak Issaka Ali
The Chief Commercial Operations Officer of MobileMoney Fintech LTD, Abdul Razak Issaka Ali, described the campaign as a strategic intervention to address the operational challenges faced by commercial transport operators while supporting Ghana’s cash-lite agenda.
He said the initiative goes beyond simplifying fare payments by providing drivers with digital tools to improve financial management and business growth.
Mr. Ali explained that electronic transactions generate verifiable records that allow drivers to monitor earnings, separate business income from personal finances and better understand the performance of their operations.
“These records can strengthen drivers’ financial profiles and improve their opportunities to access credit and other financial services,” he said.
He noted that the campaign aligns with national efforts to deepen financial inclusion and expand the use of interoperable digital payment systems.
Mr. Ali expressed confidence that the collaboration between MobileMoney Fintech LTD, GhIPSS and the Digital Transport Workers Union would drive wider acceptance of GHQR payments within Ghana’s transport sector.
He encouraged transport operators to embrace digital payments, describing them as safer, more efficient and more accountable alternatives to cash transactions.
Campaign to digitise transport ecosystem and reward drivers – Faisal Ali
The Manager of Mobile Money Channel Development at MobileMoney Fintech LTD, Faisal Ali, said the “Ride with MoMo” campaign was designed to encourage commercial drivers to adopt digital payments while supporting the wider digitisation of Ghana’s transport ecosystem.
He explained that the initiative covers various categories of transport operators, including ride-hailing drivers, taxi operators, truck drivers and other commercial transport providers.
Mr. Ali stressed that participation in the campaign requires drivers to operate MoMo merchant wallets, rather than personal mobile money accounts.
“Every single driver, be it an online driver, a taxi driver or a truck driver, can take part in this initiative. What we are simply saying is that you need to have a merchant wallet. If you use your personal wallet, you will not be part of this,” he said.
He encouraged drivers to register for merchant wallets at any MTN office or designated registration centres, adding that registration is free and requires only a Ghana Card.
Mr. Ali disclosed that drivers who complete 20 transactions or more in a week, with a total transaction value of up to GH¢1,000, would receive a 1GB data bundle.
He added that the top 10 performing drivers in each region every week would receive GH¢500 and a 1GB data bundle, while selected monthly performers would receive GH¢1,000.
He urged drivers to take advantage of the campaign to digitise their businesses, secure their earnings and enjoy the benefits associated with digital payments. “Take advantage of this opportunity, digitise your channel and keep your money safe at all times,” he said.
GHQR interoperability key to expanding digital payments – Akosua Blay
The Chief Business Officer of the Ghana Interbank Payment and Settlement Systems (GhIPSS), Akosua Blay, said the organisation’s involvement in the campaign would ensure that the payment system remains interoperable and accessible to customers across different financial platforms.
She explained that GHQR allows customers using different banks, mobile money wallets and fintech platforms to make payments through a single QR code.
Ms. Blay said passengers would be able to pay transport fares by scanning drivers’ QR codes using banking applications or mobile money wallets.
She added that customers using feature phones could also make payments through USSD by entering the merchant’s code.
“Without GhIPSS, transactions would largely be limited to customers using the same mobile money platform. Because GhIPSS is involved, customers of different mobile money networks and bank account holders can all pay using the same QR code,” she said.
She described GHQR as a secure payment platform processed through Ghana’s national payment infrastructure and encouraged transport operators to adopt the system.
Ms. Blay said digital payments would reduce risks associated with theft, fire and other incidents while improving business efficiency.
READ ALSO: MTN Ghana Crowns Five Winners in SME Business Pitch Competition
“When drivers receive their money digitally, they can immediately use it to buy fuel for their next trip or meet other business needs. Faster access to funds improves cash flow and supports economic activity,” she said.
Stakeholders optimistic about transport digitalisation
Stakeholders expressed optimism that the “Ride with MoMo” campaign would contribute significantly to modernising fare collection, improving transparency within the transport sector and supporting Ghana’s broader digitalisation and financial inclusion agenda.
Source: Isaac Kofi Dzokpo
