# Fiji — payment codes and schemes

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

## Summary

- **M-PAiSA QR** first in Fiji (Vodafone)
- **500K+ users** registered
- **4,000+ merchants** QR enabled
- **NPS connected** October 2024
- **FRCS** tax payments via QR

## Banking landscape

### Central Bank
- **Name:** Reserve Bank of Fiji (RBF)
- **Website:** https://www.rbf.gov.fj/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | ANZ Fiji | International | ANZ App |
| 2 | Westpac Fiji | International | Westpac App |
| 3 | BSP | Regional | BSP App |
| 4 | HFC Bank | Local | HFC Mobile |
| 5 | Bred Bank | French | Bred App |

### Market Structure
- **M-PAiSA:** Dominant mobile money
- **Vodafone Fiji:** Telecom-led innovation
- **NPS:** National Payment System
- **Mastercard:** Debit card partner

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| NPS | RBF | National switch | Active |
| M-PAiSA | Vodafone | Mobile money | 500K+ |
| FIJICLEAR | RBF | RTGS | Active |
| Card networks | Visa/MC | Cards | Active |

### M-PAiSA Platform
- Vodafone Fiji operated
- First QR in Fiji
- 500,000+ registered users
- 4,000+ business outlets
- Zero-rated data

### NPS Integration (Oct 2024)
- M-PAiSA connected to NPS
- Bank-to-mobile transfers
- Mobile-to-bank transfers
- Cross-platform payments

---

## QR code standards

### M-PAiSA QR

| Attribute | Value |
|-----------|-------|
| **Provider** | Vodafone Fiji |
| **Feature** | Scan to Pay |
| **Merchants** | 4,000+ |
| **Cost** | Free for users |

### QR Payment Features
- First in Fiji
- Unique merchant QR codes
- Scan at cashier counters
- App-based payment
- Zero data charges

### Government QR (2025)
- FRCS integration
- Tax payments via QR
- Duty/VAT payments
- All branches enabled
- Container freight stations

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| M-PAiSA | Vodafone | Yes | Full wallet |
| Bank Apps | Various | Limited | Banking |

### M-PAiSA Features
- P2P transfers
- Utility payments
- Bill settlements
- Merchant QR pay
- International transfers

### Mastercard Debit
- First non-bank Pacific issuer
- Card + mobile integration
- ATM withdrawals
- Online shopping
- International use

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [M-PAiSA QR](https://docs.barcoder.ai/docs/payments/FJ/m-paisa-qr) | Mobile | Vodafone | 500K+ users | [`m-paisa-qr`](https://docs.barcoder.ai/docs/standards/m-paisa-qr) |
| [NPS](https://docs.barcoder.ai/docs/payments/FJ/nps) | National switch | RBF | Oct 2024 | — |
| [Mastercard](https://docs.barcoder.ai/docs/payments/FJ/mastercard) | Debit | Card | Active | — |

## Sources

- [Vodafone Fiji - M-PAiSA QR](https://www.vodafone.com.fj/about/about-us/media-releases/media-release-2019/m-paisa-qr-mobile-pay-a-big-step-towards-a-cashless-society)
- [Vodafone Fiji - NPS](https://www.vodafone.com.fj/personal/products-services/m-paisa/national-payment-system)
- [FRCS - M-PAiSA MOA](https://frcs.org.fj/news/2025-2/frcs-and-vodafone-fiji-sign-moa-on-m-paisa-payment-facility/)
- [Technology Magazine - Vodafone Fiji](https://technologymagazine.com/company-reports/vodafone-fiji-digitally-connecting-people-in-the-pacific)

## Full country report

[FJ-fiji.md](https://docs.barcoder.ai/docs/payments/FJ)