Agent earnings vary by location and transaction volume, but successful agents in high-traffic areas can earn GHS 50-200 daily through commissions, with additional revenue from value-added services like airtime and bill payments.
Initial capital requirements typically range from GHS 2,000-10,000 for float management, plus registration fees and basic equipment. Location and expected transaction volume determine your optimal starting capital.
Use the MoMo app (*170#) or portal to link your merchant wallet directly to your bank; merchant transfers are free; banking fees apply on cash-outs via agents
OTPs and online signup are instant; SIM issuance timing may vary slightly but is typically quick after portal submission.
To boost your earnings as a mobile money merchant, you can offer airtime and data top-ups, bill payment services (like ECG and GWCL), SIM card registration, and sell phone accessories.
MTN Mobile Money agents earn two types of monthly commissions: one for cash-in and another for cash-out transactions. For cash-out, agents receive GHS 0.20 for amounts under GHS 50, 0.4% for transactions between GHS 50 and GHS 2,000, and a flat GHS 8 for amounts above GHS 2,000.
