# Liberia — payment codes and schemes

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

## Summary

- **Orange Money** QR payments active
- **4.3+ million** mobile money users (2024)
- **Lonestar MTN** major competitor
- **Dual currency** LRD and USD
- **AccessBank** biometric ATM integration

## Banking landscape

### Central Bank
- **Name:** Central Bank of Liberia (CBL)
- **Website:** https://www.cbl.org.lr/
- **Role:** Monetary policy, financial oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Ecobank Liberia | Pan-African | Ecobank Mobile |
| 2 | United Bank for Africa | Pan-African | UBA App |
| 3 | AccessBank Liberia | Regional | Mobile Banking |
| 4 | Guaranty Trust Bank | Pan-African | GTBank App |
| 5 | LBDI | State | LBDI Mobile |

### Market Structure
- **Orange Money:** Leading mobile money
- **Lonestar Cell MTN:** Major competitor
- **4.3M+:** Active mobile money users
- **Dual currency:** USD widely used

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Orange Money | Orange Liberia | Mobile money | Leading |
| MTN MoMo | Lonestar Cell | Mobile money | Active |
| AccessBank ATM | AccessBank | Biometric | Active |

### Mobile Money Statistics (2024)
- 4.3+ million active users
- Orange Money leading provider
- Lonestar Cell MTN competitor
- No bank account required

### AccessBank Integration
- Biometric ATM technology
- MTN and Orange compatibility
- Enhanced security
- Digital banking growth

---

## QR code standards

### Orange Money QR

| Attribute | Value |
|-----------|-------|
| **Provider** | Orange Liberia |
| **USSD** | *144# |
| **App** | Orange Max it |
| **QR** | Merchant payments |

### Orange Money QR Features
- Free merchant payments
- QR code or merchant number
- Instant transactions
- No cash required
- Bill payments

### Orange Max it App
- E-wallet management
- Secret code updates
- Fingerprint login
- QR code reader
- Quick service access

### Orange Money Africa App
- Multi-country support
- Liberia included
- Merchant QR payments
- Android 6.0+
- Bill payments

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Orange Max it | Orange | Yes | QR reader |
| Orange Money Africa | Orange | Yes | Multi-country |
| MTN MoMo | Lonestar | Limited | Mobile money |

### Orange Money Features
- Send/receive money
- Buy airtime
- Pay bills
- Merchant payments
- Free deposits
- QR code payments

### Orange Max it Liberia
- All-in-one app
- E-wallet management
- QR code scanning
- Service access
- Security options

### Lonestar MTN Services
- Mobile money transfers
- Airtime purchase
- Bill payments
- Agent network
- P2P transfers

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Orange Money QR](https://docs.barcoder.ai/docs/payments/LR/orange-money-qr) | Mobile QR | App | Active | [`orange-money-qr`](https://docs.barcoder.ai/docs/standards/orange-money-qr) |
| [MTN MoMo](https://docs.barcoder.ai/docs/payments/LR/mtn-momo) | Mobile money | USSD | Active | [`mtn-momo`](https://docs.barcoder.ai/docs/standards/mtn-momo) |
| [AccessBank](https://docs.barcoder.ai/docs/payments/LR/accessbank) | Biometric | ATM | Active | — |

## Sources

- [Orange Liberia - Orange Money](https://www.orange.com.lr/en/orange-money.html)
- [Orange Liberia - Introducing Orange Money](https://www.orange.com.lr/en/introducing-orange-money.html)
- [Orange Liberia - FAQs](https://www.orange.com.lr/en/orange-money/what-is-orange-money.html)
- [Google Play - Orange Max it Liberia](https://play.google.com/store/apps/details?id=com.orange.myorange.olr)
- [Google Play - Orange Money Africa](https://play.google.com/store/apps/details?id=com.orange.orangemoneyafrique)
- [TransFi - Liberia Payment Rails](https://www.transfi.com/blog/liberias-payment-rails-how-they-work---lonestar-cell-mtn-mobile-banking-payment-interoperability)
- [LRA - Mobile Money](https://revenue.lra.gov.lr/mobile-money/)
- [HippoTechGroup - Orange Money Tariffs](https://www.hippotechgroup.com/2021/04/orange-money-liberia-transfer-and-withdrawal-tariffs-charges.html)

## Full country report

[LR-liberia.md](https://docs.barcoder.ai/docs/payments/LR)