MTN MoMo card reader review 2026: tap to pay fees and rating
Africa's largest mobile money network by users; merchant acceptance runs on QR and USSD, not on NFC SoftPOS.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
MTN MoMo offers MoMo Merchant Payments (SoftPOS not confirmed) for Android. Transaction fee: on request; monthly fee: on request. Security certification: n/a. Available in: Ghana, Uganda, Cameroon, Ivory Coast, Nigeria, Rwanda and others (17 markets).
MTN MoMo terms in full
| Product name | MoMo Merchant Payments (SoftPOS not confirmed) |
|---|---|
| Provider type | Infrastruktur-Enabler |
| Headquarters | South Africa/Ghana |
| Founded | 2009 (MoMo) |
| Platforms | Android |
| Certification | not stated |
| Transaction fee | on request |
| Monthly fee | on request |
| Setup cost | on request |
| Contract term | n/a |
| Cards accepted | n/a |
| PIN entry on screen | yes (MoMo PIN) |
| Transaction limit | market-dependent wallet limits |
| Target customers | Merchants in MTN Mobile Money markets |
| Available markets | Ghana, Uganda, Cameroon, Ivory Coast, Nigeria, Rwanda and others (17 markets) |
| Website | mtn.com |
| Data source | Open primary source ↗ |
Alternatives to MTN MoMo
Comparable providers in Africa:
- Xendit — on request, Rating 4.3
- DOKU — on request, Rating 4.6
- Apple — on request, Rating 2.5
- Visa — on request, Rating 2.6
- Vipps MobilePay — on request, Rating 2.7
Compare all providers in Africa →
Frequently asked questions
MTN MoMo tap to pay: do I need any extra hardware?
MTN MoMo is infrastructure rather than a merchant product. It makes tap to pay possible in the first place; you take payments through a provider built on top of it. Supported platforms: Android. market-dependent wallet limits.
Which countries is MTN MoMo available in?
By our records: Ghana, Uganda, Cameroon, Ivory Coast, Nigeria, Rwanda and others (17 markets). Availability changes, and the date above the table is when we last checked.