You can now make fast, secure payments at your favourite supermarket, shop, restaurant, fuel station, and many more locations using MoMoPay. Here’s how:

How to Pay:

1. Dial *165*3# on your phone.

2. Select Option 1: Merchant Code.

3. Ask the cashier for their MoMo merchant code.

4. Enter the merchant code provided.

5. Enter the amount you wish to pay.

6. Confirm the details.

7. Enter your MoMo PIN to complete the payment.

That’s it! You’re done in seconds.

Effective 15th August 2025, Customers Paying with MoMo to informal merchants will now be charged the same transaction fee as those Sending Money. This modest fee supports a more secure and reliable payment system for everyone.

Merchants will still receive 100% of the payment—your full amount goes to the business, with no impact on their earnings.