# Guinea — payment codes and schemes

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

## Summary

- **Orange Money** dominant provider
- **MTN Money** active service
- **Mowali** interoperability (MTN/Orange)
- **Fast-growing** mobile money market
- **Limited ATMs** infrastructure challenges

## Banking landscape

### Central Bank
- **Name:** Banque Centrale de la République de Guinée (BCRG)
- **Website:** https://www.bcrg.gov.gn/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Ecobank Guinea | Pan-African | Ecobank Mobile |
| 2 | Société Générale Guinée | International | SG Mobile |
| 3 | BICIGUI | International | BICIGUI App |
| 4 | Orabank Guinea | Regional | Orabank App |
| 5 | UBA Guinea | Pan-African | UBA App |

### Market Structure
- **Orange Money:** Market leader
- **MTN:** Major competitor
- **Cellcom:** Third operator
- **Mobile money:** Dominant

---

## Payment infrastructure

### National Payment Systems

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

### Mobile Money Growth
- Fast-growing sector
- Most monetary transfers via Orange
- MTN Money active
- Agent networks expanding

### Infrastructure Challenges
- ATMs exist but unreliable
- Mainly in Conakry
- Cash still important
- Digital growing

---

## QR code standards

### Orange Money QR

| Attribute | Value |
|-----------|-------|
| **Provider** | Orange Guinea |
| **App** | Max it |
| **Feature** | Merchant payments |
| **Status** | Active |

### Max it App Features
- Money transfers domestic/international
- Withdrawals and deposits
- Merchant payment
- Bill payment
- Orange microfinance

### Orange Money Pro
- Point of sale app
- Merchant collection
- Digital deposits/withdrawals
- Business tools

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Orange Max it | Orange | Yes | Full platform |
| Orange Money Pro | Orange | Yes | Merchant app |
| MTN Money | MTN | Limited | Mobile money |

### Orange Max it Guinea
- Money transfers
- Merchant payments
- Bill payments
- Orange Guinea bills
- Electricity, water, TV
- Microfinance access

### Orange Money Pro
- Reserved for partners
- Point of sale features
- Merchant collection
- Digital cash management

### MTN Money
- 9-digit numbers (66xxxxx)
- Fully registered required
- WorldRemit compatible
- P2P transfers

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Orange Money](https://docs.barcoder.ai/docs/payments/GN/orange-money) | Mobile QR | Max it | Growing | — |
| [MTN Money](https://docs.barcoder.ai/docs/payments/GN/mtn-money) | Mobile money | App | Competitor | — |
| [Mowali](https://docs.barcoder.ai/docs/payments/GN/mowali) | Interop | JV | Active | — |

## Sources

- [WorldRemit - Guinea Mobile Money](https://www.worldremit.com/en/guinea-conakry/mobile-money)
- [Orange Max it Guinea - Google Play](https://play.google.com/store/apps/details?id=com.orange.myorange.ogn)
- [Orange Money Pro - Google Play](https://play.google.com/store/apps/details?id=com.orange.money.gn.pro)
- [Orange Developer - Web Payment API](https://developer.orange.com/apis/om-webpay)
- [MTN - Mowali Launch](https://www.mtn.com/orange-and-mtn-launch-pan-african-mobile-money-interoperability/)
- [Orange Newsroom - Mowali](https://newsroom.orange.com/orange-and-mtn-launch-pan-african-mobile-money-interoperability-to-scale-up-mobile-financial-services-across-africa/)
- [Trade.gov - Guinea eCommerce](https://www.trade.gov/country-commercial-guides/guinea-ecommerce)
- [Xoom - MTN Guinea](https://www.xoom.com/guinea/mobile-reloads/mtn-guinea-conakry)

## Full country report

[GN-guinea.md](https://docs.barcoder.ai/docs/payments/GN)