MTN agent commissions vary by transaction amount, typically UGX 360–600 per withdrawal, and about UGX 250–300 for deposits and bill payments.

Boost earnings by selling airtime, data bundles, handling bill payments (UMEME, NWSC, DSTV), SIM card sales, and adding services like photocopying or printing.

After submitting KYC documents to MTN or Airtel, it typically takes 3–7 working days to be approved and issued a merchant SIM. The timeline may vary slightly based on document verification speed.

Linking is done through your MNO app or USSD. On MTN, use the agent portal via USSD or app; Airtel provides integration via its Airtel Money app. This enables bank transfers and allows customers to cash in/out directly to bank-linked wallets.

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You’ll need a starting float of about UGX 500,000 to UGX 2,000,000 to cover initial deposits/withdrawals and register customers. With registration fees and a kiosk setup, overall startup costs range from UGX 1.5M to UGX 3M.

Earnings depend on your location and daily transaction volume. Urban agents typically earn UGX 20,000–70,000 per day from commissions, plus extra income from airtime and bill payments. Rural agents may earn comparably when serving consistent customer traffic.