Step by Step Application Process flow:

•Prospective Agent / Merchant (customer) dials USSD short code *5051# to submit initial details for setup.

On dialing the short code, the prospective agent receives the welcome message as shown below.

Option 1 - Registration

Option 2 - Check Registration Status

•The prospective agent enters 1 to affirm registration request.

•The prospective agent then chooses the region from which the application is coming from.

•The town from which the application is initiated appears on the portal.

•Customer receives confirmation of request by SMS

• the applicant receives an SMS of his reference code.

• An applicant uses the reference number to check the status of the application at any point in time.

•At this time, the prospective applicant is contacted, due diligence and processing of the documents begins

•MTN Field Staff contacts the customer for follow up

•Vetting/due diligence is conducted by MTN Field Staff

•Once the customer successfully passes the due diligence, he/she completes the Agent /Merchant registration documents and submits to MTN Field Sales Team

Step by Step Application Process flow:

•Agent / Merchant’s details are captured by the MoMo team on to the Mobile Money platform

•Agent / Merchant is invited for training

•Branding materials are provided

•Agent / Merchant commences business

Please note that the prospective Agent / Merchant is updated via SMS during the entire process. The customer can also dial the short code to check status at any point in time during the process.

APPLICATION DOCUMENTS REQUIRED

A prospective applicant who wishes to become an agent/merchant must make the following documents available as part of the registration.

Tier 1 (One)

1)Business operating permit from Metropolitan And District Assemblies [Metropolitan Business operating Permit]

2)Valid national ID.

3)Can transact up to GHC 500,000 per month

Tier 2(two)

1)Business registration documents from the Registrar’s General’s Department. [Certificate of Incorporation and commencement of business]

2)Valid national ID.

3)Can transact up to GHC 1,000,00 per month

The customer is required to fill the standard Agent / Merchant registration documents which includes the following:

1)Agent / Merchant Registration Form

2)Account Handler Registration Form & Authentication Questions

3)Review & Sign off Agent Code of Ethics Document

4)Risk Acceptance Form (If web portal access is required)

MULTIPLE APPLICATIONS

•Multiple applications are not allowed

•There can be only one application processed at a time.

•Should the applicant submit more than one request at a time, the system disallows the request. Error message received is shown below.

TRAINING AND COMMENCEMENT OF BUSINESS

•Once the agent / merchant has been successfully setup, he/she is contacted for training, handing over of sim card and practical training.

•The agent / merchant outlet is subsequently branded for business to commence.

FAQs

• How do I apply via USSD

ANS: Dial *5051# , select 1 to register and select your region.

• QUE: Can someone apply on my behalf.

ANS: No. you have to request it by yourself.

• QUE : How many can I apply via USSD ?.

ANS : One application to be completed at a time.

• Que : I don’t have an MTN number , can I apply ?

ANS : NO: You can apply with MTN numbers only

• QUE: Do I still have to complete application forms when I apply via USSD ?

ANS: Yes, as part of the process once you are engaged by the assigned TSC and you meet the laid down requirements.

• QUE: Am in a remote village can I apply ?

ANS : Yes , once your number is active on the network.

• QUE: I haven’t received any sms after the initial message? How can I check the status of my request.

ANS: Dial *5051#, choose option 2 and enter your application reference number.

• How many months should I wait incase I am not receiving a favorable feed back before i raise a query: Approximately 2 weeks

• What happens if customers forget their Ref numbers: check message inbox. Customers should be advised to write it aside for safe keeping as well.

• What happens if the TSC does not contact the customer.

All TSCs and other accredited officers are mandated to contact all customers who have made an initial request. Its unlikely to happen.

A customer who calls call center may provide the ticket number and he /she would be contacted later.

• What happens if the customers request is cancelled. How do we reach the customer?

The customer’s information will be on the portal / web link. The customer is made aware of the reason why an application is being cancelled.