# Belize — payment codes and schemes

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

## Summary

- **E-Kyash** first digital wallet, QR payments
- **DigiWallet** 190K+ mobile users
- **NBB Pay** National Bank QR
- **13,000+ rural** residents empowered
- **2024 award** Future Branches Innovators

## Banking landscape

### Central Bank
- **Name:** Central Bank of Belize
- **Website:** https://www.centralbank.org.bz/
- **Role:** Monetary policy, financial regulation

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Belize Bank | Private | E-Kyash |
| 2 | Atlantic Bank | Private | Atlantic Mobile |
| 3 | Heritage Bank | Private | Heritage App |
| 4 | National Bank of Belize | State | NBB Pay |
| 5 | ScotiaBank Belize | International | Scotia Mobile |

### Market Structure
- **E-Kyash:** First digital wallet
- **DigiWallet:** Largest user base
- **NBB Pay:** State bank solution
- **90%:** LTE/fiber coverage

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| E-Kyash | Belize Bank | Digital wallet | Active |
| DigiWallet | DigiCell | Mobile wallet | 190K+ users |
| NBB Pay | National Bank | Digital app | Active |
| Card networks | Visa/MC | Cards | Active |

### E-Kyash Impact
- First digital wallet in Belize
- 13,000+ rural residents empowered
- 3,000 previously unbanked
- Agricultural worker focus
- Bulk payment streamlining

### DigiWallet Scale
- 190,000+ DigiCell mobile users
- 90% nationwide LTE/fiber coverage
- Comprehensive financial services
- Easy and safe access

---

## QR code standards

### E-Kyash QR

| Attribute | Value |
|-----------|-------|
| **Provider** | Belize Bank |
| **Feature** | QR-based payments |
| **Award** | 2024 Future Branches |
| **Focus** | Financial inclusion |

### E-Kyash QR Features
- QR code payments
- Local vendor partnerships
- Digital transaction alternative
- Cash replacement
- Quick registration (no bank account)

### DigiWallet QR

| Attribute | Value |
|-----------|-------|
| **Provider** | DigiCell |
| **Feature** | Merchant scan |
| **Coverage** | Nationwide |
| **Users** | 190K+ |

### DigiWallet QR Features
- Scan QR for goods/services
- Authorized merchant network
- Wide service array
- Mobile wallet integration

### NBB Pay QR

| Attribute | Value |
|-----------|-------|
| **Provider** | National Bank |
| **Feature** | Generate/request QR |
| **Social media** | QR upload support |
| **Access** | Nationwide |

### NBB Pay QR Features
- Generate QR from app
- Request payment from customers
- Social media QR upload
- Customer scan and pay
- Anytime/anywhere access

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| E-Kyash | Belize Bank | Yes | Full wallet |
| DigiWallet | DigiCell | Yes | Merchant QR |
| NBB Pay | National Bank | Yes | Generate/scan |

### Financial Inclusion Impact
- 3,000 previously unbanked served
- Migrant worker focus
- Citrus/banana industry
- Bulk payment efficiency
- Life transformation

### 2024 Recognition
- Future Branches Innovators Awards
- December 6, 2024 (Austin, Texas)
- First place: "Most Effective Branch Technology"
- Belize Bank recognized

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [E-Kyash QR](https://docs.barcoder.ai/docs/payments/BZ/e-kyash-qr) | Wallet QR | Belize Bank | Active | [`e-kyash`](https://docs.barcoder.ai/docs/standards/e-kyash) |
| [DigiWallet QR](https://docs.barcoder.ai/docs/payments/BZ/digiwallet-qr) | Mobile QR | DigiCell | 190K+ | [`digiwallet`](https://docs.barcoder.ai/docs/standards/digiwallet) |
| [NBB Pay QR](https://docs.barcoder.ai/docs/payments/BZ/nbb-pay-qr) | Bank QR | National Bank | Active | [`nbb-pay`](https://docs.barcoder.ai/docs/standards/nbb-pay) |

## Sources

- [E-Kyash Official](https://www.e-kyash.com/)
- [Belize Bank - E-Kyash](https://www.belizebank.com/portfolio/e-kyash-emerges-as-a-key-player-in-the-caribbeans-growing-digital-payment-ecosystem/)
- [Finextra - E-Kyash Launch](https://www.finextra.com/pressarticle/89361/belize-bank-rolls-out-e-kyash-mobile-wallet)
- [DigiWallet Official](https://www.digiwallet.bz/)
- [NBB Pay - FAQ](https://www.nbbl.bz/nbb-pay-faq/)
- [Qorus - E-Kyash](https://bankinginnovation.qorusglobal.com/e-kyash)

## Full country report

[BZ-belize.md](https://docs.barcoder.ai/docs/payments/BZ)