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Getting started with Mamo Business
Getting started with Mamo Business

Learn how to sign up and register for Mamo Business, what documents required, contracts and more

Updated over a week ago

Who is Mamo Business available to?

Mamo Business is currently available for UAE-based freelancers or businesses.

To get started, please click the sign up button below and complete the online registration process. It takes a few minutes only!

Why we do verification

Like all financial institutions in the UAE, and in line with local laws and regulations, Mamo is obligated to collect information about you and your business and run certain checks on this information before verifying your Mamo account and allowing you to use it.

These checks are also known as:

  • KYC (Know Your Customer)

  • KYB (Know Your Business)

  • AML (Anti-Money Laundering) checks.

They are designed to protect the UAE's economy against fraud, money laundering and other nefarious activities.

The information we collect during our verification process helps us ensure that every business or individual operating in the UAE is legitimate and adheres to local laws and regulations. If interested, you may learn more about these checks here.

Data security

Your money matters. And so does your data. You can rest assured that we work very hard to keep them both safe.

How long does it take to open a Mamo Business account?

Once you've submitted a full set of documents, we will have your account approved, validated, and up and running within 2-3 business days.

In rare cases, and due to different circumstances (e.g., incorrect or expired documents), accounts can take up to 5 days to open.

With that said, you can still register and login to Mamo Business right away and get familiar with the platform before being verified.

Please remember that you won't be able to start receiving payments until you have uploaded all your documents and your account has been verified.

Next steps

There are 5 basic categories of information that we will ask you for:

Personal details

This information helps us get to know and understand you personally. We'll ask for basic stuff like your full name, role in the business, contact information, and how you heard about us. If you were referred to Mamo by a friend, you'll be able to enter your referral code here.

Business information

Here we'll ask for details about your business, your revenues and expenses. We have to understand things like what your business does, how customers discover you, and how you typically sell.

Business documents

Here our goal is to collect documentation that validates everything you'd told us in the previous section. We'll store this documentation on file in case we ever need to refer back to it in the future.

Bank information

To get paid, you'll need to provide is with your business bank account details. Here we'll ask for your IBAN and proof that this bank account is truly yours or in the name of your business.

Business owners

As per regulatory requirements, we're obligated to run KYC verifications and screening on all owners of every business. This includes majority and minority owners. For companies owned by other companies, we're obligated to follow the ownership trail all the way to the top.

Try to be as specific, accurate and honest as possible when filling these sections out. The more specific and detailed you are the faster the verification will be.

Please make sure you whitelist [email protected] and [email protected] to avoid having our follow-up emails landing in your spam or junk inbox.

Personal details

We'll ask for basic stuff like your full name, role in the business, contact information, and how you heard about us.

Name

Enter your full name exactly as it is spelled on your government issued identification. If you have more than 2 last names, please add them to the "Last name" field

Role

Enter the full name of the business owner exactly as it is spelled on their government issues identification. If they have more than 2 last names, please add them to the "Last name" field

Email

Enter the email address you would like us to use to communicate with you in the future. You can always change this later. Please make sure you whitelist [email protected] and [email protected] to avoid having our emails landing in your spam or junk inbox.

Phone number

Enter the phone number you would like us to use to communicate with you in the future. You can always change this later. If you have a UAE phone number, it would be best to use that one.

Emirates ID

Please make sure you upload both the front and back of the owners Emirates ID. Note that at least one owner must be a UAE resident holding a valid Emirates ID.

If any of the owners doesn't have an Emirates ID, please upload a copy of their passport.

How did you hear about Mamo?

Please help us learn more about what attracts customers like you to Mamo. The more accurate you are here the more positive feedback we get to make Mamo a better platform for you and all our customers!

Business information

Here our goal is to collect documentation that validates everything you'd told us in the previous section. We'll store this documentation on file in case we ever need to refer back to it in the future.

Business name

This is the name of your business as you want it to appear to your end-customers when they're using Mamo to pay you.

What do you plan to use Mamo for?

Let us know which product you plan to use Mamo for. You can always add/remove products later on. This will help us tailor the verification experience to your needs and add/remove questions as needed.

What industry is your business in?

We ask for this to ensure that we are able to support you. Please read more about our prohibited and restricted industries here. We ask that you be honest with us here to avoid having your account suspended in the future.

Your business website

We use this to get a better understanding of what your do, without asking you too many detailed questions during this verification process.

Although a website isn't required all the time, do share one if you have one.

If you don't have a working website yet, or if it is under construction, you can provide your business or personal social media link instead. This can be LinkedIn, Instagram or any other platform.

What does your business do?

Most applications get sent back because of insufficient information.

Please explain your business in as much detail as possible to help us verify your account. We recommend you answer the following questions to help us understand you better:

  • Can you provide examples of the products or services you sell?

  • Who do you sell them to? Who is your typical customer?

  • Where or how do you sell them?

  • How long have you been doing this?

  • How do you wish to use Mamo for your business?

How do your customers find you?

This helps our verification team get a true sense of how you sell. The more accurate you are here the faster the verification process will be on our end.

Try to be as specific, accurate and honest as possible when filling these sections out.

Business documents

Here our goal is to collect documentation that validates everything you'd told us in the previous section. We'll store this documentation on file in case we ever need to refer back to it in the future.

Documentation requirements will differ based on whether you already have businesses officially registered in the UAE or whether you're in the process of registering one.

Before you begin the registration process, please make sure you have the following documents at hand.

Trade license

A trade license is the certificate that proves you have a registered business in the UAE. This is typically issued by the Department of Economic Development (DED) or any of the many free zones in the UAE.

Your trade license should:

  • Mention the name of your business

  • Mention the directors, managers or owners of the business

  • Valid and up to date

This document is only required for registered businesses, not freelancers or applicants using Mamo for personal use.

Memorandum of Association

This can be one of the following:

  • Memorandum of Association

  • Article of Association

  • Shareholder register

The goal here is to establish who the ultimate beneficial owners of the company are.

These documents are typically contracts that specify your company's shareholding structure. If you don't have one, a shares register or certificate of incumbency will work.

If you don't have these, please check the appropriate box.

This document is only required for registered businesses, not freelancers or applicants using Mamo for personal use.

Proof of address

The goal here is to establish that you or your business physically exist and operate in the UAE.

The following documents are valid proofs of address:

  • Tenancy contract

  • A utility bill

  • An EJARI certificate

  • A bank statement showing your full address

  • Any other government-issued document showing your address

Documents submitted must meet the following criteria:

  • The full address must be shown, including unit number

  • Must be in the name of your business or one of the owners

  • Must not be a PO Box

  • Must not be older than 6 months

If your trade license already mentions your business's address, please upload it again here.

Living with someone else?

If you live with family or friends and don't have a proof of address document in your name, provide the following:

  • A proof of address document in the name of your family member or friend

  • The Emirates ID of the individual mentioned on this document

Other documents (optional)

This section can be used to upload any additional documents that we ask for when following up with you on your application.

Please make sure you whitelist [email protected] and [email protected] to avoid having our follow-up emails landing in your spam or junk inbox.

Bank information

To get paid, you'll need to provide is with your bank account details.

You can only use a UAE bank account when registering. You can sign up with either a business bank account or a personal bank account.

Here we'll ask for your IBAN and proof that this bank account is truly yours or in the name of your business.

We will ask you for:

IBAN

Your IBAN is a 34 character bank account identifier. Please make sure you've copied your IBAN correctly, ensuring that any spaces between the characters are removed.

If you are getting errors when entering this, you can make sure it's a valid IBAN by visiting this website.

Account holder's name

Please enter the full name of the individual or business that this IBAN belongs to. The bank account must be in the name of your business or one of the business owners

Proof of bank account

Please provide evidence of your bank account ownership. Acceptable documents include a bank statement or a screenshot from your online banking portal. The document must:

  • clearly show your name (or the name of your business)

  • clearly show your account details (including IBAN)

  • be easily readable (no fuzzy sections)

Business owners

As per regulatory requirements, we're obligated to run KYC verifications and screening on all owners of every business. This includes majority and minority owners.

For companies owned by other companies, we're obligated to follow the ownership trail all the way to the top.

Please ensure you add all business owners, especially those listed on your Trade License, Memorandum of Association, or Articles of Association.

Full name

Enter the full name of the business owner exactly as it is spelled on their government issued identification. If they have more than 2 last names, please add them to the "Last name" field

Emirates ID

Please make sure you upload both the front and back of the owners Emirates ID. Note that at least one owner must be a UAE resident holding a valid Emirates ID.

If any of the owners doesn't have an Emirates ID, please upload a copy of their passport.

Once you've provided all the necessary documents, we'll proceed with our review and promptly inform you of any updates.


Upon successful verification, we'll send you an email with easy-to-follow instructions on creating and sharing payment links with your customers.

Learn more about our pricing plans by visiting our plan comparison page. Sign up online on the Mamo Business website.

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