# MoMo

**Canonical:** https://apis.io/providers/momo/  
**Website:** https://www.momo.vn/  
**APIs profiled:** 4

MoMo is Vietnam's largest mobile-money and e-wallet platform, operated by Online Mobile Services Joint Stock Company (Cong ty Co phan Dich vu Di dong Truc tuyen, "M_Service"), founded in 2007 and licensed by the State Bank of Vietnam for e-wallet, money transfer and collection/disbursement services. Alongside the consumer wallet it runs a merchant payments business whose public developer surface at developers.momo.vn documents the All-in-One (AIO v2) Payment Gateway for wallet, domestic ATM card, credit card, Apple Pay, Google Pay, Buy Now Pay Later, POS Quick Pay and static/dynamic QR acceptance, single and batch disbursement, collection links, and tokenised one-click and subscription payments. It also publishes a Business Page OpenAPI, a Voucher Distribution API and a Mini App Open Platform for third-party apps embedded inside the MoMo app. Integration is HMAC-SHA256 signed with RSA and AES payload encryption, uses requestId-based idempotency and server-to-server IPN callbacks, and is distributed as fourteen public Postman collections plus first-party PHP, Java and mobile SDKs.

## Kin Score — 50.6 / 100 (developing)

Scored 2026-09-01 under rubric 0.17.2. Trend: flat (+0.0 from 50.6).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 42.7 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 83.3 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 62.5 (matched via tags).

## Agent readiness — 28.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (4)

- **MoMo All-in-One Payment Gateway (AIO v2)** — The MoMo All-in-One (AIO v2) merchant payment gateway. One integration covers MoMo e-wallet, domestic ATM card, credit card, Apple Pay, Google Pay, Buy Now Pay Later, Quick Pay ...
- **MoMo Business Page OpenAPI** — Server-to-server API for operating a MoMo Business Page: list and read managed pages, update page detail, images, logo, opening times, utilities and ambiences, publish and read ...
- **MoMo Voucher Distribution API** — API for creating and distributing promotion campaigns and voucher codes to MoMo users, and for reconciling redemption. Create and update campaigns, upload voucher codes by file,...
- **MoMo Mini App Open API** — The M_Service Open Platform server-to-server API used by Mini Apps embedded in the MoMo app. Exchange a user authorisation code for a short-lived access token, read the user pro...

## Security (2)

- **Momo Authentication** — 7 schemes
- **Momo Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Momo Plans Pricing**

## Tags

Payments, Mobile Payments, Fintech, Digital Wallet, Payment Gateway, QR Payments, Disbursement, Buy Now Pay Later, E-Commerce, Vietnam

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/momo/). Scores are computed from the provider's own public artifacts under a published rubric.