# Côte d'Ivoire — payment codes and schemes

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

## Summary

- **Orange Money** 45% market (QR payments)
- **MTN MoMo** 35% market share
- **Max it app** unified platform
- **GIM-UEMOA** regional network
- **Moov Africa** third operator

## Banking landscape

### Central Bank
- **Name:** BCEAO (Central Bank of West African States)
- **Website:** https://www.bceao.int/
- **Role:** Regional monetary policy (WAEMU zone)

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | SGCI | International | SG Mobile |
| 2 | BICICI | International | BICICI App |
| 3 | Ecobank CI | Pan-African | Ecobank Mobile |
| 4 | Bank of Africa CI | Pan-African | BOA Mobile |
| 5 | Oragroup | Regional | Orabank App |

### Market Structure
- **Orange:** 45% market share
- **MTN:** 35% market share
- **Moov Africa:** Third player
- **WAEMU zone:** Shared CFA franc

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Orange Money | Orange | Mobile money | Dominant |
| MTN MoMo | MTN | Mobile money | Active |
| Moov Money | Moov Africa | Mobile money | Active |
| GIM-UEMOA | BCEAO | Card network | Active |

### Mobile Money Market
- Three major operators
- High penetration
- Financial inclusion driver
- Regional leadership

### Payment Gateway
- DPO Pay available
- MTN MoMo acceptance
- Orange Money acceptance
- Visa/Mastercard support

---

## QR code standards

### Orange Money QR

| Attribute | Value |
|-----------|-------|
| **Operator** | Orange CI |
| **App** | Max it |
| **Type** | Merchant QR |
| **Feature** | Scan and pay |

### Orange Money Features
- Control daily expenses
- Transfer money
- Buy passes
- Scan and pay in store
- Directory or QR code

### MTN MoMo QR
- QR code payments
- Merchant acceptance
- Scan to pay
- Virtual card integration

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Max it | Orange | Yes | Full platform |
| Orange Money | Orange | Yes | Wallet |
| MTN MoMo | MTN | Yes | Mobile money |
| Moov Money | Moov | Limited | Transfers |

### Orange Max it
- Manage Orange Money wallet
- Transfer money
- Pay bills
- Scan and pay merchants
- Buy passes
- Merchant number or QR code

### Orange Money App
- Mobile wallet
- QR code payments
- Merchant payments
- International receive
- Bill payments

### MTN MoMo
- QR code capability
- Merchant payments
- Virtual Mastercard
- Global network access

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Orange Money QR](https://docs.barcoder.ai/docs/payments/CI/orange-money-qr) | Mobile QR | Max it | 45% share | [`orange-money-qr`](https://docs.barcoder.ai/docs/standards/orange-money-qr) |
| [MTN MoMo](https://docs.barcoder.ai/docs/payments/CI/mtn-momo) | Mobile money | QR | 35% share | [`mtn-momo`](https://docs.barcoder.ai/docs/standards/mtn-momo) |
| [GIM-UEMOA](https://docs.barcoder.ai/docs/payments/CI/gim-uemoa) | Card | Regional | Active | — |

## Sources

- [Orange Max it - Google Play](https://play.google.com/store/apps/details?id=com.orange.myorange.oci)
- [Orange Money Africa - Google Play](https://play.google.com/store/apps/details?id=com.orange.orangemoneyafrique)
- [DPO Pay - Côte d'Ivoire](https://dpogroup.com/online-payments/cote-divoire/)
- [WorldRemit - Ivory Coast](https://www.worldremit.com/en/ivory-coast/mobile-money)
- [Traveltomtom - SIM Cards](https://www.traveltomtom.net/destinations/africa/ivory-coast/prepaid-sim-card-ivory-coast)
- [Phone Travel Wiz - SIM Guide](https://www.phonetravelwiz.com/buying-a-sim-card-in-ivory-coast-guide/)
- [AfricallShop - Mobile Recharge](https://www.africallshop.com/mobile-recharge-cote-divoire-mtn-moov-orange/)
- [eSIM Net - Guide](https://www.esim.net/guides/ivory-coast-sim-card-guide)

## Full country report

[CI-cote-divoire.md](https://docs.barcoder.ai/docs/payments/CI)