MTN: This is a unique number used by the sender as a reference for the transaction. With this number you can track your transfer (you can also do this via your dashboard). If you have a query you can contact us, using your MTN for speedy reference.
Folio (Pick-up reference): This is used by the beneficiary. The Folio works in a similar way to a PIN code: Money can only be given to the recipient when the correct Folio number is provided together with Proof of ID.