# Guinea-Bissau — payment codes and schemes

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

## Summary

- **Orange Money** + Mastercard partnership (Oct 2024)
- **13.4 billion FCFA** network investment
- **Max it** Scan and Pay feature
- **Virtual/physical cards** wallet linked
- **WAEMU zone** regional integration

## Banking landscape

### Central Bank
- **Name:** BCEAO (Central Bank of West African States)
- **Website:** https://www.bceao.int/
- **Role:** Regional monetary policy (WAEMU zone)

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Ecobank Guinea-Bissau | Pan-African | Ecobank Mobile |
| 2 | Banco da África Ocidental | Regional | BAO Mobile |
| 3 | Orabank Guinea-Bissau | Regional | Orabank App |
| 4 | BSIC | International | BSIC Mobile |

### Market Structure
- **Orange Bissau:** Telecom leader
- **WAEMU zone:** Regional integration
- **Mobile money:** Growing sector
- **13.4B FCFA:** Network investment

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Orange Money | Orange | Mobile money | Active |
| GIM-UEMOA | BCEAO | Card network | Active |
| Bank Transfers | Banks | RTGS | Active |

### Orange Investment (2024)
- 13.4 billion FCFA
- Network modernization
- 3G+/4G upgrade
- 1,000+ new villages
- Orange Money enhancement

### Mastercard Partnership
- October 2024 announcement
- 7 countries including GB
- Virtual/physical cards
- Wallet-linked debit

---

## QR code standards

### Orange Money Scan and Pay

| Attribute | Value |
|-----------|-------|
| **Provider** | Orange Bissau |
| **App** | Max it |
| **Feature** | Scan and Pay |
| **Launch** | 2024 |

### Max it Features
- Scan and Pay QR
- Instant transactions
- Simplified history
- Balance checks
- Orange offers

### Mastercard Integration
- Virtual debit cards
- Physical card option
- Global merchant access
- Wallet-linked payments

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Orange Max it | Orange | Yes | Scan and Pay |
| Orange Money | Orange | Yes | Full wallet |
| Orange Money Europe | Orange | Transfer | Remittances |

### Orange Max it Guinea-Bissau
- All-in-one app
- Orange services
- Orange Money integration
- Online store
- Scan and Pay QR
- Transaction history

### Orange Money Europe
- Remittance app
- Europe to Guinea-Bissau
- 9 European countries
- Fast and secure
- Mobile wallet delivery

### Web Payment API
- Merchant integration
- E-commerce support
- Developer access
- Multi-country

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Orange Money QR](https://docs.barcoder.ai/docs/payments/GW/orange-money-qr) | Scan and Pay | Max it | 2024 | [`orange-money-qr`](https://docs.barcoder.ai/docs/standards/orange-money-qr) |
| [Mastercard](https://docs.barcoder.ai/docs/payments/GW/mastercard) | Card | Virtual/Physical | Oct 2024 | — |
| [GIM-UEMOA](https://docs.barcoder.ai/docs/payments/GW/gim-uemoa) | Card | Regional | Active | — |

## Sources

- [Orange Newsroom - Network Modernization](https://newsroom.orange.com/orange-bissau-launches-its-program-to-modernize-the-mobile-access-network-and-extend-its-rural-coverage-to-more-than-1000-new-villages-in-guinea-bissau/)
- [Orange Newsroom - Mastercard Partnership](https://newsroom.orange.com/orange-middle-east-and-africa-and-mastercard-partner-to-digitize-payments-for-millions-across-africa-by-2025/)
- [Mastercard - Orange Partnership](https://www.mastercard.com/news/eemea/en/newsroom/press-releases/en/2024/october/orange-middle-east-and-africa-and-mastercard-partner-to-digitize-payments-for-millions-across-africa-by-2025/)
- [Orange Developer - Web Payment API](https://developer.orange.com/apis/om-webpay)
- [Orange Max it GB - Chrome Stats](https://chrome-stats.com/d/com.orange.myorange.ogw)
- [Xe Help - Orange Wallet](https://help.xe.com/hc/en-gb/articles/10727461672465-Sending-money-to-an-Orange-mobile-wallet)
- [Orange Money Europe - App Store](https://apps.apple.com/gb/app/orange-money-europe-transfer/id1294207961)
- [Wikipedia - Orange Money](https://en.wikipedia.org/wiki/Orange_Money)

## Full country report

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