Momo

MTN MoMo is a mobile money service for individual consumers who need to send and receive money, pay for everyday services, and make purchases from a phone.

Key capabilities include:

• Local and international transfers, allowing users to send and receive money for personal transactions
• Bill payments and recurring payments for services such as utilities, school fees, and subscriptions
• Airtime and data purchases, including support for non-MTN networks (where available)
• Merchant payments, including QR code scan-to-pay, plus options such as CashOut, deposits, and withdrawals

Available on Android and iOS.

Built primarily for B2C use cases, including peer-to-peer transfers, day-to-day bill payments, and small in-person purchases.

It is notable in African markets for its availability across multiple MTN operating countries, including , and for extending beyond transfers into in-app payments such as for online shopping, plus options (availability varies by market).