# Cameroon — payment codes and schemes

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

## Summary

- **MTN MoMo** dominant (10M+ accounts, 185K access points)
- **MoMo Pay QR** merchant payment system
- **Orange Money** second major operator
- **Mowali** cross-platform interoperability
- **GSMA certified** only in CEMAC zone

## Banking landscape

### Central Bank
- **Name:** BEAC (Bank of Central African States)
- **Website:** https://www.beac.int/
- **Role:** Regional monetary policy (CEMAC zone)

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Afriland First Bank | Local | First Mobile |
| 2 | Société Générale Cameroun | International | SG Mobile |
| 3 | Ecobank Cameroon | Pan-African | Ecobank Mobile |
| 4 | UBA Cameroon | Pan-African | UBA App |
| 5 | BICEC | International | BICEC App |

### Market Structure
- **MTN MoMo:** Market leader
- **Orange Money:** Major competitor
- **CEMAC zone:** Shared CFA franc
- **Mobile money:** Primary payment channel

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| MTN MoMo | MTN Cameroon | Mobile money | Dominant |
| Orange Money | Orange | Mobile money | Active |
| Mowali | MTN/Orange | Interoperability | Active |

### MTN MoMo Statistics
- **10+ million** mobile money accounts
- **60,000+** active top-up points
- **125,000+** active merchants
- **185,000+** total access points
- **All 10 regions** coverage

### GSMA Certification
- First and only in CEMAC zone
- Mobile money certification
- Security standards compliant
- Industry recognition

---

## QR code standards

### MoMo Pay QR

| Attribute | Value |
|-----------|-------|
| **Operator** | MTN Cameroon |
| **Type** | Merchant QR |
| **Apps** | MoMo / MoMo Merchant |
| **Feature** | Scan to pay |

### MoMo Pay Features
- Payment by QR code at merchants
- Exceptional customer experience
- MoMo app for customers
- MoMo Merchant app for sellers
- Available on Playstore/Appstore

### MoMo App Capabilities
- Scan and pay with QR codes
- Virtual card for online shopping
- Loans and advances
- Bill payments
- P2P transfers

### Rebate Promotion
- MoMo Pay rebate campaigns
- Incentivize QR adoption
- Merchant ecosystem growth
- Customer rewards

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| MoMo | MTN | Yes | Consumer wallet |
| MoMo Merchant | MTN | Yes | Business payments |
| Orange Money | Orange | Limited | Mobile money |
| MoPay | Third-party | Both | Multi-network |

### MoMo Consumer App
- QR code payments
- Virtual card
- Loans and advances
- Bill payments
- Available in Cameroon, Ghana, others

### MoMo Merchant App
- QR code acceptance
- Payment collection
- Transaction history
- Business tools

### MoPay (Third-party)
- Works with MTN and Orange
- Send and receive money
- Payments and purchases
- Airtime purchase
- Cross-network compatibility

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [MoMo Pay QR](https://docs.barcoder.ai/docs/payments/CM/momo-pay-qr) | Mobile QR | MTN | 125K+ merchants | [`momo-pay-qr`](https://docs.barcoder.ai/docs/standards/momo-pay-qr) |
| [Mowali](https://docs.barcoder.ai/docs/payments/CM/mowali) | Interop | MTN/Orange | Active | — |
| [Mastercard](https://docs.barcoder.ai/docs/payments/CM/mastercard) | Partnership | Global | 2024 | — |

## Sources

- [MTN MoMo - QR Code](https://momo.mtn.com/business/qrcode/)
- [MTN Cameroon - MoMo Bills](https://mtn.cm/helppersonal/momo-bills-payment/)
- [MTN Cameroon - MoMo Account](https://mtn.cm/helppersonal/momo-account/)
- [Africa Business - MoMo Pay Promo](https://africabusinesscommunities.com/tech/tech-news/mtn-cameroon-runs-momo-pay-rebate-promotion/)
- [Business in Cameroon - MTN Orange JV](https://www.businessincameroon.com/telecom/2711-8619-cameroon-orange-and-mtn-launch-a-mobile-money-joint-venture)
- [Connecting Africa - Orange Mastercard](https://www.connectingafrica.com/financial-inclusion/orange-mea-mastercard-sign-mobile-financial-services-deal)
- [OpenHub - MoPay](https://openhubdigital.com/mopay-made-in-cameroon-mobile-money-app-to-send-or-receive-money/)
- [MoMo App - Google Play](https://play.google.com/store/apps/details?id=mtnft.momo.consumer)

## Full country report

[CM-cameroon.md](https://docs.barcoder.ai/docs/payments/CM)