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MTN MoMo

MTN MoMo

West & Central Africa Mobile Money

VS

Google Pay

Android Mobile Payments

Google Pay
Fees from
Custom vs Free for consumers, merchant fees via processor
Features

1 shared

1 unique to MTN MoMo
Regions

0 shared

1 unique to MTN MoMo · 4 unique to Google Pay
Pay methods

1 shared

2 unique to MTN MoMo · 3 unique to Google Pay

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Show full specs
2 features · 6 payment methods · 5 regions. We don't rank these — they're here for reference.
MTN MoMo MTN MoMo
Google Pay Google Pay
Quick Facts
Fees
Standard transaction rate
Custom
Free for consumers, merchant fees via processor
Settlement
Time to receive funds
Same day
Same day
Founded
2009
2015
Headquarters
Johannesburg, South Africa
Mountain View, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
MTN MoMo leads (2 vs 1)
Enterprise Unique
✓
—
Instant Payout
✓
✓
Payment Methods
Google Pay leads (4 vs 3)
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Google Pay Unique
—
✓
Mobile Money Unique
✓
—
Qr Code Unique
✓
—
Regions
Google Pay leads (4 vs 1)
Africa Unique
✓
—
Asia Unique
—
✓
Europe Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓

MTN MoMo is best when you...

West & Central Africa Mobile Money
Need Enterprise
Not available with Google Pay
Want coverage in Africa
Google Pay doesn't cover this region
View MTN MoMo

Google Pay is best when you...

Android Mobile Payments
Want coverage in Asia, Europe, North America, Oceania
MTN MoMo doesn't cover these regions
View Google Pay

Frequently Asked Questions

What is the difference between MTN MoMo and Google Pay?
They share 1 payment method and 0 regions. MTN MoMo adds Mobile Money, QR Code that Google Pay does not list; Google Pay adds Credit Card, Debit Card, Google Pay that MTN MoMo does not list; MTN MoMo also covers Africa; Google Pay also covers Asia, Europe and 2 more.
Which is cheaper, MTN MoMo or Google Pay?
MTN MoMo has custom pricing quoted on engagement; Google Pay has published rates from Free for consumers, merchant fees via processor. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use MTN MoMo and Google Pay?
MTN MoMo lists 1 region and 3 payment methods; Google Pay lists 4 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do MTN MoMo and Google Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; MTN MoMo settles in Same day, Google Pay in Same day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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