MoMo Rent Payment Tracker Built for Ghana
Log every MTN MoMo, Telecel Cash and AT Money rent payment in about ten seconds. Every payment sits under the right tenant and unit. Stop losing track when three tenants pay in the same week.
PadiRent is free for landlords and agents. Sign in from your phone.
Why MoMo rent tracking goes wrong
Most Ghanaian landlords collect rent through MoMo. Most also lose track of it. Here is how it happens:
The sender reference goes missing. A tenant pays and forgets to type "November rent — House 4" in the reference. You get "MoMo credit GHS 1,500 from 0244…" and now you have to remember which tenant that number belongs to.
Two tenants use the same short code. Your agent sent one MoMo short code to every tenant. Payments come in with no tenant tag. Reconciling at month-end takes an evening you did not budget for.
Family members pay on behalf of the tenant. The rent comes from the tenant's brother's line, or a mother's number, or a friend's account. The sender number no longer matches the tenant on file, and the payment sits "unmatched".
Screenshots pile up on WhatsApp. Tenants send payment screenshots. You now have 40 WhatsApp images to scroll through when you want a clean list of who paid in June.
How PadiRent handles MoMo payments
Ten-second logging. Open the app. Pick the tenant. Enter the amount, choose Mobile Money, and set the period the payment covers. Want the MoMo transaction ID on record? Put it in the note. Save. The record is now attached to that tenant, that property, that period.
Every payment under the right tenant. You pick the tenant when you log, so a payment never sits "unmatched". If the tenant's brother or mother sent the money from their own line, log it under the tenant anyway and write "sent from brother's line" in the note. The record stays with the person who owes the rent.
Multi-network support. MTN MoMo, Telecel Cash, AT Money — all three logged the same way. No separate flow per network.
Receipts on demand. Tenants often ask for a receipt. PadiRent generates one from the logged payment. Share it on WhatsApp in seconds.
Use cases
The single-property landlord
You own a two-bedroom flat in Spintex. Your tenant pays ₵1,800 a month via MTN MoMo. Before PadiRent, you would check the SMS, add it to a notebook, and hope you remembered by year-end.
With PadiRent: the tenant pays, you tap once, the payment sits under her profile with the date, the period it covers and your note. At the end of the year, tax time or lease renewal time, open her profile and her full payment history is on one screen. Need proof of one payment? Share the receipt.
The agent handling five compounds
You are an agent in East Legon managing five compounds — twenty-four tenants across MTN, Telecel and AT lines. Rent is due on the 1st. Some pay on the 3rd. Some on the 14th. Some pay in two halves.
With PadiRent: each tenant has their own log. Each payment is recorded at the amount that actually came in, so a half payment shows as a half payment. Your Expiries list shows who is overdue and how many days each tenant has left, and the Analytics screen breaks collections down property by property. When the landlord calls asking about "Compound 3", you have the answer in about eight seconds.
The landlord with 1-year advance rent tenants
Ghanaian tradition: pay 12 to 24 months up front. Tracking who paid what, when their advance runs out, and when to start the renewal conversation is a headache.
PadiRent logs the full advance as a single MoMo entry covering the whole period, say January to December. The end of that period becomes the tenant's expiry date. Your Expiries list shows who is under 60 and under 30 days, and PadiRent sends you an app notification 3 days before the advance runs out and on the day, plus an SMS on the day it expires. Read the full advance rent guide.
What it will not do
- PadiRent does not touch the money. MoMo stays between you and the tenant, on the network you already use. We log, we do not transact.
- PadiRent does not message your tenants. We remind you, 3 days before a tenant's rent runs out and on the day. How you talk to your tenant stays your call.
- PadiRent does not issue tax receipts on your behalf. A receipt for every payment and a full payment history per tenant — yes. GRA-formatted receipts — not yet.
Frequently asked questions
Do I need to connect my MoMo account? No. You log payments manually with a tap. The money flow stays where it already is.
Which networks are supported? MTN MoMo, Telecel Cash, AT Money. All three, logged the same way.
What if a tenant pays cash sometimes and MoMo sometimes? PadiRent handles both. Mark the payment method when you log it.
Is it really free? Yes. See the pricing page.
Can my agent log payments into my account? Not today. Each PadiRent account belongs to one person, and shared access is not in the app yet. Your agent can open their own free account for the compounds they manage.
Ready to stop losing track of MoMo rent?
Read more: PadiRent overview · PadiRent blog