# Djibouti — payment codes and schemes

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

## Summary

- **D-Money** national mobile money (Djibouti Telecom)
- **QR code payments** added March 2023
- **CACPay** bank QR solution
- **Central Bank** partnership
- **IIB Bank** interconnection

## Banking landscape

### Central Bank
- **Name:** Banque Centrale de Djibouti (BCD)
- **Website:** https://www.banque-centrale.dj/
- **Role:** Monetary policy, D-Money partnership

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | CAC International Bank | Commercial | CACPay/MyCAC |
| 2 | IIB Bank | Commercial | IIB Mobile |
| 3 | Bank of Africa | Pan-African | BOA Mobile |
| 4 | Saba Islamic Bank | Islamic | Saba App |
| 5 | Salaam African Bank | Islamic | Salaam Mobile |

### Market Structure
- **D-Money:** National mobile money
- **Djibouti Telecom:** D-Money operator
- **BCD partnership:** Regulatory support
- **Bank QR:** CACPay solution

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| D-Money | Djibouti Telecom | Mobile money | Active |
| CACPay | CAC Bank | QR payments | Active |
| Bank Transfers | Banks | RTGS | Active |

### D-Money Network
- Djibouti Telecom customers
- No bank account required
- Agent network
- National coverage

### IIB Bank Interconnection
- D-Money bank link
- Wallet-bank transfers
- Interoperability
- Enhanced services

---

## QR code standards

### D-Money QR

| Attribute | Value |
|-----------|-------|
| **Operator** | Djibouti Telecom |
| **Launch** | March 2023 |
| **App** | D-Money |
| **Feature** | Merchant payment |

### D-Money QR Features
- Merchant payment with QR
- Easy scanning
- Instant settlement
- Mobile integration

### CACPay QR

| Attribute | Value |
|-----------|-------|
| **Operator** | CAC International Bank |
| **App** | MyCAC |
| **Type** | Contactless QR |
| **Feature** | Secure payment |

### CACPay Features
- QR-based payment
- MyCAC app integration
- Secure contactless
- Merchant and customer use

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| D-Money | Djibouti Telecom | Yes | Full wallet |
| MyCAC | CAC Bank | Yes | CACPay QR |
| IIB Mobile | IIB Bank | Limited | Banking |

### D-Money App
- Deposit and withdrawal (Cash-in/Cash-out)
- P2P money transfers
- Mobile credit purchase
- Bill payment
- Merchant payment (QR)
- Salary disbursement

### D-Money Access
- USSD: *111#
- Mobile app (iOS/Android)
- Any Djibouti Telecom SIM
- No bank account needed

### MyCAC App
- CACPay QR payments
- Contactless experience
- Merchant acceptance
- Secure transactions

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [D-Money QR](https://docs.barcoder.ai/docs/payments/DJ/d-money-qr) | Mobile QR | App | National | [`d-money-qr`](https://docs.barcoder.ai/docs/standards/d-money-qr) |
| [CACPay](https://docs.barcoder.ai/docs/payments/DJ/cacpay) | Bank QR | MyCAC | Active | — |
| [USSD *111#](https://docs.barcoder.ai/docs/payments/DJ/ussd-111) | Mobile money | USSD | Universal | — |

## Sources

- [D-Money Official](https://d-money.dj/)
- [D-Money Home](https://d-money.dj/home/)
- [D-Money Info](https://d-money.dj/informations-utiles/)
- [CAC International Bank](https://www.cacintbank.com/)
- [D-Money - App Store](https://apps.apple.com/ae/app/djibouti-money/id1581317470)
- [AppBrain - D-Money](https://www.appbrain.com/app/d-money-djibouti-money/com.eservglobal.paymobile.smartapp.djibouti)
- [ThePaypers - eServGlobal](https://thepaypers.com/online-payments/eservglobal-powers-mobile-money-solution-for-djibouti-telecom--763102)
- [MoneyMatrix - Djibouti](https://moneymatrix.com/country/djibouti/)

## Full country report

[DJ-djibouti.md](https://docs.barcoder.ai/docs/payments/DJ)