6 November 2026
MoMo KYC update: the deadline now runs to 31 December 2026.
Agents and merchants now have until 31 December 2026 to complete the mandatory KYC update. Here is what the exercise involves, and how to get it done without stress.
What is happening
MobileMoney Fintech LTD, the company behind MTN MoMo, is running a nationwide KYC update for all MoMo agents and merchants. The exercise began in July 2026 and was originally set to close on 31 October 2026. That deadline has now been extended to 31 December 2026, giving everyone who has not yet updated their records a final window to do so.
Who it covers
The exercise applies to agents and merchants, not to everyday customers. If you operate a MoMo point or accept MoMo payments as a business, this concerns you directly. If you are a customer, nothing is required of you, but you still benefit: verified agent records make it much harder for fraudsters to operate under someone else's details.
What you will need
A valid Ghana Card, plus your business registration documents. Depending on how your business is registered, that means a Business Registration Certificate, Form A or C, or a Municipal or District Assembly Certificate. With your documents ready, the update itself takes only a few minutes, and you receive SMS confirmation at each stage.
How to complete it
There are two routes. You can update online through the official Smart Onboarding Portal at momoonboarding.mtn.com.gh, or visit a designated hotspot location in your area. The exercise is completely free. There are no charges at any stage, so treat anyone asking for a fee as a warning sign.
What happens if you miss it
Agents and merchants who do not complete the update by the deadline may face service restrictions until their records are brought up to date. For a business that depends on daily transactions, that is downtime worth avoiding. December is also the busiest trading season of the year, so the practical advice is simple: do it now, not in the final week.
Stay sharp while you update
The rules that protect you every day apply here too. Use the official portal address only, and check it before entering any details. No one from MTN or MobileMoney will ever call to ask for your MoMo PIN, and the update process never requires it. If anything feels unclear, pause and verify through official channels, or ask at a service point you trust.
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