NettPortal
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Documentation

NettPortal Pay

NettPortal Pay lets you collect online without your own Hubtel or Paystack API keys. Customers pay as usual; we keep 4%, and send 96% to your MoMo the next day (not instantly). Prefer your own keys? Use Direct Payment anytime.

Quick summary

  • Ghana only · no own Hubtel/Paystack keys needed
  • 4% fee · 96% to your MoMo next day
  • Or switch to Direct Payment and use your own API

NettPortal Pay vs Direct Payment

NettPortal Pay

Collect without your own API keys. You get 96% to MoMo the next day after the 4% fee. Only need your MoMo number, account name, and network.

Direct Payment

Best if you already have Hubtel or Paystack business credentials. Money goes through yourmerchant account according to that provider's payout rules. You manage your own API keys in Payment Settings.

How money works

Example: a customer pays GHS 10.00 with NettPortal Pay.

Gross collected: GHS 10.00

NettPortal fee (4%): GHS 0.40

You receive (96%): GHS 9.60

Settlements are paid the next day (Africa/Accra) to the MoMo wallet you configured — not the same moment the customer pays.

How to turn on NettPortal Pay

  1. Open Settings → Payment.
  2. Choose NettPortal Pay (instead of Direct Payment).
  3. Enter your MoMo number, account name, and network (e.g. MTN, Vodafone, AirtelTigo).
  4. Double-check the number and name carefully. If details are wrong, money can go to the wrong wallet — NettPortal is not responsible for payouts sent to details you provided incorrectly.
  5. Save. Customers can then pay online using NettPortal Pay.

NettPortal Pay is currently available for Ghana organizations. If your organization is outside Ghana, use Direct Payment with your own gateway keys.

Viewing your settlements

After customers pay with NettPortal Pay, daily settlement batches appear under NettPortal Pay in your sidebar (payout history).

  • See each sales day's gross, 4% fee, and 96% net
  • Track pending vs paid status
  • When a settlement is marked paid, you receive an email with the amount and MoMo number used

Voucher SMS after purchase

After a customer pays with NettPortal Pay, they still get the voucher SMS the same way as Direct Payment. SMS does not use Hubtel payment keys. It uses your Communication settings:

  • NettPortal SMS credits — if you buy/use platform SMS credits
  • Your own SMS API — if you connected Arkesel, Hubtel SMS, Bulk SMS, etc. under Communication

Make sure voucher purchase SMS is enabled and you have either credits or a working own SMS provider.

What NettPortal Pay covers

Online collections such as hotspot voucher purchases, captive portal payments, PPPoE online payments, and agent online purchases (where enabled) can use NettPortal Pay when it is turned on. Offline / cash sales are separate and are not paid out through this MoMo settlement.

Troubleshooting

I don't see NettPortal Pay in settings

Confirm your organization country is Ghana. Outside Ghana, use Direct Payment.

Customer paid but I haven't received money yet

Settlements are next-day, not instant. Check NettPortal Paypayout history for yesterday's batch and status (pending / paid).

Wrong MoMo number was saved

Update the MoMo details in Payment Settings immediately and save. Always double-check before saving — incorrect details can send funds to the wrong wallet.

I want to use my own Hubtel / Paystack keys instead

Switch to Direct Payment in Payment Settings and enter your gateway credentials. New online payments will use your merchant account.

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