# Angola — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/AO
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **Multicaixa Express QR** national QR payment system
- **50,000+ TPAs** with QR code functionality
- **3+ million** QR code transactions
- **EMIS** interbank network operator
- **60%+ digital** channel transactions

## Banking landscape

### Central Bank
- **Name:** Banco Nacional de Angola (BNA)
- **Website:** https://www.bna.ao/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Banco de Fomento Angola | Private | BFA App |
| 2 | Banco Angolano de Investimentos | Private | BAI Direct |
| 3 | Banco BIC | Private | BIC App |
| 4 | Banco Millennium Atlântico | Private | Atlântico Digital |
| 5 | Banco de Poupança e Crédito | State | BPC App |

### Market Structure
- **EMIS:** Interbank Services Company
- **Multicaixa:** Only interbank card network
- **All banks:** Connected to Multicaixa
- **Single network:** Unified infrastructure

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Multicaixa | EMIS | Card/ATM/POS | Active |
| MCX Express | EMIS | Mobile wallet/QR | Active |
| TPA Code | EMIS | POS QR | Active (2024) |

### Multicaixa Network Statistics
- **190,000** POS terminals total
- **50,000+** with QR functionality (40%)
- **700 million** MCX Express transactions (May 2024)
- **12.9 million** single-day record transactions

### Digital Channel Growth
- **60%+** of transactions via digital channels
- **169 million** Mobile Money transactions (2024)
- **3+ million** QR code transactions

---

## QR code standards

### Multicaixa Express QR (TPA Code)

| Attribute | Value |
|-----------|-------|
| **Operator** | EMIS |
| **Launch** | 2024 |
| **Terminals** | 50,000+ TPAs |
| **Feature** | MCX Express integration |

### TPA Code Features
- QR code generated by POS terminal
- Scanned via MCX Express app
- No physical card required
- Instant payment processing

### QR Payment Flow
1. Merchant generates QR on TPA
2. Customer opens MCX Express app
3. Scans QR code on terminal
4. Confirms payment with PIN
5. Instant settlement

### Merchant Enrollment
- Request TPA Code form
- Contact participating bank
- Bank account required
- Multicaixa Network access

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| MCX Express | EMIS | Yes | Full wallet |
| Bank Apps | Various | Yes | Banking |

### Multicaixa Express (MCX)
- Mobile payment app
- QR code payments
- Money transfers
- Bill payments
- Balance inquiry
- Transaction history

### MCX Express Features
- Cardless payments
- QR scanning at TPA
- P2P transfers
- Utility payments
- Merchant payments

### Bank Mobile Apps
- BAI Direct
- BFA App
- Atlântico Digital
- Integrated MCX functionality

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [TPA Code](https://docs.barcoder.ai/docs/payments/AO/tpa-code) | POS QR | MCX Express | 50K+ TPAs | [`tpa-code`](https://docs.barcoder.ai/docs/standards/tpa-code) |
| [Multicaixa](https://docs.barcoder.ai/docs/payments/AO/multicaixa) | Card | EMIS | Universal | — |
| [MCX Express](https://docs.barcoder.ai/docs/payments/AO/mcx-express) | Mobile wallet | QR | 700M txns | — |

## Sources

- [Multicaixa Official](https://multicaixa.ao/en/)
- [Carta de Angola - QR Code TPAs](https://cartadeangola.com/2024/08/21/aparelhos-tpas-ja-permitem-pagamentos-por-codigo-qr-via-multicaixa-express/)
- [Targeting AO - QR Payments](https://targeting.ao/inovacao/pagamentos-por-codigo-qr-ja-estao-dispiniveis-na-rede-multicaixa/)
- [360 Angola - 12.9M Transactions](https://360angola.com/economy/banking/multicaixa-network-records-12-9-million-transactions-in-one-day/)
- [Transfi - Angola Payment Rails](https://www.transfi.com/blog/angolas-payment-rails-how-they-work---emis-multicaixa-digital-banking-adoption)
- [Wikipedia - Multicaixa](https://en.wikipedia.org/wiki/Multicaixa)
- [App Store - MCX Express](https://apps.apple.com/na/app/multicaixa-express/id1433675921)
- [PayCEC - Angola Gateway](https://www.paycec.com/us-en/faq/what-is-the-payment-gateway-in-angola)

## Full country report

[AO-angola.md](https://docs.barcoder.ai/docs/payments/AO)