# Gabon — payment codes and schemes

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

## Summary

- **Airtel Money** dominant (800K+ subscribers)
- **CEMAC zone** regional integration
- **pawaPay/Revolut** remittance partnerships
- **Cross-border** Orange Cameroon link
- **GIMAC** interoperability active

## 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 | BGFI Bank | Regional | BGFI Mobile |
| 2 | UGB | Local | UGB Mobile |
| 3 | Ecobank Gabon | Pan-African | Ecobank Mobile |
| 4 | Société Générale Gabon | International | SG Mobile |
| 5 | Orabank Gabon | Regional | Orabank App |

### Market Structure
- **Airtel Money:** Most widespread
- **CEMAC zone:** Regional system
- **Cross-border:** Cameroon link
- **800K+ subscribers:** 2021 data

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Airtel Money | Airtel Gabon | Mobile money | Dominant |
| GIMAC | BEAC | Regional switch | Active |
| Bank Transfers | Banks | RTGS | Active |

### Airtel Money Gabon
- USSD: *150#
- 800,000+ subscribers (2021)
- Agent network nationwide
- Cross-border capabilities

### Free Services
- Account creation
- Mobile money deposits
- Transfers to subscribers
- Airtime purchase

---

## QR code standards

### Limited QR Implementation

| Attribute | Value |
|-----------|-------|
| **National QR** | Not established |
| **Airtel QR** | USSD-based |
| **CEMAC** | Framework available |
| **Adoption** | Limited |

### Mobile Money Dominance
- USSD primary channel
- Agent-based transactions
- Cash-in/cash-out focus
- QR secondary priority

### Cross-Border
- Orange Cameroon transfers
- Equatorial Guinea link
- CEMAC integration
- Regional payments

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Airtel Money | Airtel | Limited | Mobile money |
| Bank Apps | Various | Limited | Banking |

### Airtel Money Features
- Money transfers
- Bill payments
- Airtime purchase
- Agent network
- Cross-border

### International Remittances
- Revolut partnership (May 2024)
- pawaPay integration
- WorldRemit access
- Europe-Africa corridor

### pawaPay Partnership
- Inbound remittances
- IMTO delivery
- Wallet deposits
- 44.6M Airtel Money users network

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Airtel Money](https://docs.barcoder.ai/docs/payments/GA/airtel-money) | Mobile money | USSD | 800K+ | [`airtel-money`](https://docs.barcoder.ai/docs/standards/airtel-money) |
| [CEMAC](https://docs.barcoder.ai/docs/payments/GA/cemac) | Regional | Interbank | Active | — |
| [Revolut](https://docs.barcoder.ai/docs/payments/GA/revolut) | Remittance | Partner | 2024 | — |

## Sources

- [Airtel Gabon Official](https://www.airtel.ga/)
- [Temo Group - Airtel Money Fees](https://www.temogroup.net/2022/01/frais-de-retrait-et-transfert-airtel-money-gabon.html)
- [FFNews - Revolut Mobile Wallets](https://ffnews.com/newsarticle/paytech/revolut-expands-mobile-wallets-with-airtel-orange-money-and-mtn-allowing-for-faster-transfers-from-europe-to-africa/)
- [Connecting Africa - pawaPay Remittances](https://www.connectingafrica.com/mobile-money/airtel-money-pawapay-enable-remittances-for-seven-african-countries)
- [Newrest - Airtel Partnership](https://media.newrest.eu/news/newrest-partners-with-the-leader-airtel-for-online-payment-in-gabon/)
- [Shift Thought - Airtel Money Gabon](https://digitalmoney.shiftthought.com/sage/RelWalletGeo_Wallet_Zap_Geo_Country_GABON/)
- [Wikipedia - Airtel Africa](https://en.wikipedia.org/wiki/Airtel_Africa)

## Full country report

[GA-gabon.md](https://docs.barcoder.ai/docs/payments/GA)