Purpose- the reason behind this work is to fine out the rising service of Mobile Money Transaction which offers banking services to all manner of persons only if they hold a phone can impact the biggest economy of the country Ghana thus agriculture which in this sector cocoa production in the country. Design/methodology/approach- the paper draws literature from numerous studies that relates to the subject of discussion. 204 questioners were designed and administered out of which 204 was correctly answered by small scale cocoa farmers and used for the analysis of this paper. Spss, excel and Smart Partial Least Square 3.0 was used in analyzing the data. Findings – Mobile Money Services has a strong service quality and thus impact transaction efficiency of the service positively. The transaction efficiency of the Mobile Money services also has a strong impact on the supply chain performance of the small holder cocoa farmers. Research limitations/implementations- the educational level of most of the respondents were low thus finding it difficult to read and understand. Researcher had to break things down and answer on their behalf. There is no clear laydown procedure for the supply chain of cocoa farmers. Most respondents live in the remotest part of the villages. Originality and value- there are so many papers on mobile money but no studies have been able to link the transactional efficiency of the service to agricultural supply chain.