# Gambia — payment codes and schemes

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

## Summary

- **Afrimoney** leading mobile money (Africell)
- **10+ mobile money** services in market
- **QR e-tickets** ferry integration planned
- **Bank interoperability** enabled
- **Wave, Q-Money** major competitors

## Banking landscape

### Central Bank
- **Name:** Central Bank of The Gambia (CBG)
- **Website:** https://www.cbg.gm/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Zenith Bank Gambia | Pan-African | Zenith Mobile |
| 2 | Access Bank Gambia | Pan-African | Access Mobile |
| 3 | Standard Chartered | International | SC Mobile |
| 4 | Trust Bank Gambia | Local | Trust App |
| 5 | GTBank Gambia | Pan-African | GTBank App |

### Market Structure
- **Afrimoney:** Africell's service
- **10+ providers:** Competitive market
- **Bank interoperability:** Enabled
- **Financial inclusion:** Focus area

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Afrimoney | Africell | Mobile money | Leading |
| Q-Money | QCell | Mobile money | Active |
| Wave | Wave | Mobile money | Active |
| Nafa | Nafa | Mobile money | Active |

### Mobile Money Providers
- Afrimoney (Africell)
- Q-Money (QCell)
- Wave
- Nafa Financial Services
- APS
- Supersonicz
- 10+ total services

### Bank Interoperability
- Afrimoney links to banks
- Transfer to/from accounts
- Major banks connected
- Enhanced convenience

---

## QR code standards

### QR Code Integration (Planned)

| Attribute | Value |
|-----------|-------|
| **Ferry E-tickets** | QR download |
| **Phase 2** | Mobile money integration |
| **Status** | In development |
| **Providers** | Multiple planned |

### Ferry Service QR System
- E-ticket via mobile app
- QR code download
- Ticket on phone
- Phase 2: Mobile money link

### Planned Integrations
- Nafa Financial Services
- Q-Money
- Afrimoney
- Supersonicz
- APS

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Afrimoney | Africell | Limited | Full wallet |
| Afrimoney Agent | Africell | Yes | Agent app |
| Q-Money | QCell | Limited | Mobile money |
| Wave | Wave | Limited | Transfers |

### Afrimoney Features
- Money transfer
- Airtime top-up
- Bill payment
- Salary disbursement
- Bank interoperability
- Merchant services

### Afrimoney Agent App
- Digital wallet management
- Agent transactions
- Cash-in/cash-out
- Business tools

### Other Services
- Q-Money payments
- Wave transfers
- Nafa services
- APS options

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Afrimoney](https://docs.barcoder.ai/docs/payments/GM/afrimoney) | Mobile money | App | Leading | [`afrimoney`](https://docs.barcoder.ai/docs/standards/afrimoney) |
| [E-ticket QR](https://docs.barcoder.ai/docs/payments/GM/e-ticket-qr) | Ferry | App | Active | — |
| [Bank Interop](https://docs.barcoder.ai/docs/payments/GM/bank-interop) | Transfer | Multiple | Active | — |

## Sources

- [Africell - Afrimoney](https://www.africell.gm/afrimoney/)
- [Access Gambia - Afrimoney](https://www.accessgambia.com/biz1/afri-mobile-money.html)
- [The Point - Ferry E-tickets](https://thepoint.gm/africa/gambia/national-news/ferry-service-company-introduces-e-ticket-services)
- [Waychit - Online Payments Gambia](https://waychit.com/waychitBlog/the-ultimate-guide-to-online-payments-in-the-gambia/)
- [Afrimoney Agent - Google Play](https://play.google.com/store/apps/details?id=com.opareta.afrimoneygambia)
- [Paysend - Afrimoney Partnership](https://paysend.com/en-be/news/article-paysend-partners-with-afrimoney-to-enable-transfers-to-the-gambia-and-sierra-leone)
- [Wakandi - AfriMoney CAMS](https://blog.wakandi.com/blog/afrimoney-joins-wakandi-to-provide-mobile-payments-on-cams)
- [ACE Money - Gambia](https://acemoneytransfer.com/blog/understanding-the-different-payment-options-available-for-international-money-transfers-to-the-gambia)

## Full country report

[GM-gambia.md](https://docs.barcoder.ai/docs/payments/GM)