Version 1 · Last updated 2026-09-03.
Merchant API keys are secrets. Live keys charge real GH₵. Test keys never move money. Scopes limit what a key can do.
Do not collect full card numbers or MoMo PINs through the API. Checkout is hosted on OmniBsic. Rate limits apply per key.
Webhooks retry on failure. You must verify signatures. Zoe may revoke a key that leaks or that is used to scrape other merchants.