# Libya — payment codes and schemes

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

## Summary

- **LYPay** interbank instant QR (Aug 2024)
- **OnePay** additional instant service
- **Aman Pay QR** Masterpass integration
- **ATIB Pay** e-wallet with QR
- **CBL mandate** December 2024 QR rollout

## Banking landscape

### Central Bank
- **Name:** Central Bank of Libya (CBL)
- **Website:** https://cbl.gov.ly/
- **Role:** Monetary policy, payment system mandates

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Aman Bank | Private | Aman Mobile/Pay |
| 2 | ATIB | Private | ATIB Pay |
| 3 | Libyan Digital Bank | Digital | LDB App |
| 4 | National Commercial Bank | State | NCB Mobile |
| 5 | Wahda Bank | State | Wahda App |

### Market Structure
- **CBL:** Driving digitization
- **LYPay/OnePay:** Interbank instant
- **5,000+ POS:** Across Libya
- **E-payment mandate:** All businesses

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| LYPay | CBL | Interbank QR | Active (Aug 2024) |
| OnePay | CBL | Instant | Active |
| Moamalat | Financial Services | POS | Active |
| Bank Cards | Various | Debit/Credit | Active |

### LYPay Statistics
- Launched August 2024
- Free until end of 2024
- Daily transfer limit: 500 LYD
- Daily purchase limit: 1,500 LYD

### CBL Mandate (Dec 2024)
- QR code at all POS devices
- Mobile phone payments
- Coordinated with Moamalat
- All commercial banks required

---

## QR code standards

### LYPay - National Interbank

| Attribute | Value |
|-----------|-------|
| **Launch** | August 2024 |
| **Operator** | Central Bank of Libya |
| **Type** | Interbank instant |
| **Limits** | 500 LYD/day transfer |

### LYPay Features
- Free of charge (trial period)
- Interbank transfers
- QR code payments
- Mobile phone based
- Gradual limit increases planned

### Bank-Specific QR Systems

#### Aman Pay QR
- Masterpass integration
- No cash or card needed
- Smartphone scanning
- Participating outlets

#### ATIB Pay
- E-wallet application
- QR code payments
- Prepaid card reload
- Wallet-to-wallet instant
- Phone/internet vouchers
- 5,000+ POS acceptance

#### Libya Guide Pay
- E-commerce focused
- QR code scanning
- Mobile payment service
- Enhanced infrastructure

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Aman Mobile | Aman Bank | Yes | Full banking + Pay |
| ATIB Pay | ATIB | Yes | E-wallet, QR |
| Libya Guide Pay | Independent | Yes | E-commerce |
| Libyan Digital Bank | LDB | Yes | Digital banking |

### Aman Mobile Features
- Account management
- Bill payments
- Transfers
- Aman Pay QR
- Masterpass support

### ATIB Pay Features
- Prepaid card reload
- QR code payments
- Wallet-to-wallet
- Voucher purchases
- 5,000+ POS network

### Libyan Digital Bank
- Prepaid cards (Visa/MC/Amex)
- Mobile banking app
- Cashless purchases
- Multiple card types

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [LYPay](https://docs.barcoder.ai/docs/payments/LY/lypay) | Interbank QR | CBL | Aug 2024 | [`lypay`](https://docs.barcoder.ai/docs/standards/lypay) |
| [Aman Pay](https://docs.barcoder.ai/docs/payments/LY/aman-pay) | Bank QR | Masterpass | Active | [`aman-pay`](https://docs.barcoder.ai/docs/standards/aman-pay) |
| [ATIB Pay](https://docs.barcoder.ai/docs/payments/LY/atib-pay) | E-wallet | QR | 5,000+ POS | — |

## Sources

- [Libya Herald - LYPay Launch](https://libyaherald.com/2024/08/central-bank-of-libya-announces-launch-of-lypay-an-interbank-instant-payment-service/)
- [Libya Observer - QR Payment Service Order](https://libyaobserver.ly/inbrief/cbl-orders-launch-new-qr-based-instant-payment-service)
- [Aman Bank - Aman Pay QR](https://www.aman-bank.com/en/personal-banking/aman-pay-qr)
- [Aman Bank - Mobile Payments](https://www.aman-bank.com/en/personal-banking/mobile-payments)
- [ATIB - Pay](https://atib.ly/en/retail/pay/)
- [CBL - Instant Payment Statistics](https://cbl.gov.ly/en/central-bank-of-libya-announces-evolution-of-instant-payment-services-statistics/)
- [Libyan Digital Bank](https://e.ldbank.ly/home_en)
- [Google Play - Libya Guide Pay](https://play.google.com/store/apps/details?id=com.libyaguide.moh_elwaer.gpay)

## Full country report

[LY-libya.md](https://docs.barcoder.ai/docs/payments/LY)