# Haiti — payment codes and schemes

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

## Summary

- **MonCash** leading mobile money (2M+ users)
- **QR code** payments free between users
- **80% unbanked** population served
- **Digicel** operator backing
- **NGO/aid** distribution channel

## Banking landscape

### Central Bank
- **Name:** Banque de la République d'Haïti (BRH)
- **Website:** https://www.brh.ht/
- **Role:** Monetary policy, financial regulation

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | BNC (Banque Nationale de Crédit) | State | BNC Mobile |
| 2 | Sogebank | Private | Sogebank App |
| 3 | Unibank | Private | Unibank Mobile |
| 4 | Capital Bank | Private | Capital App |
| 5 | Scotiabank Haiti | International | Scotia App |

### Market Structure
- **MonCash:** Dominant mobile money
- **80% unbanked:** Target population
- **Digicel:** Telecom backing
- **Agent network:** Nationwide coverage

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| MonCash | Digicel | Mobile money | 2M+ users |
| ACH Haiti | Banks | Clearing | Limited |
| Bank transfers | Banks | Wire | Active |
| Remittances | Various | International | Active |

### MonCash Network
- 2 million+ users
- Thousands of agents nationwide
- Cash-in/cash-out points
- NGO/aid distribution
- Financial partner: Scotiabank, Lajan Cash

### Remittance Importance
- WorldRemit support
- Ria Money Transfer
- Western Union
- Diaspora corridor
- Mobile money delivery

---

## QR code standards

### MonCash QR

| Attribute | Value |
|-----------|-------|
| **Provider** | Digicel Haiti |
| **Feature** | Personal + merchant QR |
| **User-to-user** | Free |
| **Security** | Encrypted |

### MonCash QR Features
- Personalized QR code
- Merchant QR scanning
- Free user-to-user transfers
- Error reduction (vs phone numbers)
- Privacy protection
- Encrypted information

### QR Payment Benefits
- Minimizes phone number errors
- Prevents overhearing amounts
- Protected personal information
- Only user accesses QR
- Merchant payment simplicity

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| MonCash | Digicel | Yes | Full wallet |
| Bank Apps | Various | Limited | Banking |

### MonCash App Features
- QR code payments
- Bill payments
- Money transfers
- Airtime top-up
- Cash-in/cash-out
- International remittances
- Biometric login (2024)

### MonCash Plus (2024)
- Remote account upgrade
- Increased limits
- International transfers
- Facial recognition
- Fingerprint login

### Merchant Solutions
- QR code display
- Electronic payment receipt
- eCash funds
- API integration
- Automatic collection

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [MonCash QR](https://docs.barcoder.ai/docs/payments/HT/moncash-qr) | Mobile QR | Encrypted | 2M+ users | [`moncash-qr`](https://docs.barcoder.ai/docs/standards/moncash-qr) |
| [MonCash API](https://docs.barcoder.ai/docs/payments/HT/moncash-api) | Developer | Integration | Active | — |

## Sources

- [MonCash Official](https://moncashdfs.com/)
- [MonCash FAQs](https://moncashdfs.com/faqs)
- [MonCash Business](https://moncashdfs.com/business)
- [Google Play - MonCash](https://play.google.com/store/apps/details?id=com.useboom.htwallet)
- [TransFi - Haiti Payments](https://www.transfi.com/blog/haitis-payment-rails-how-they-work---moncash-ach-mobile-wallet-expansion)
- [Ria - MonCash](https://www.riamoneytransfer.com/en-us/send-money-to-moncash/)
- [WorldRemit - Haiti](https://www.worldremit.com/en/haiti/mobile-money)

## Full country report

[HT-haiti.md](https://docs.barcoder.ai/docs/payments/HT)