# Mauritius — payment codes and schemes

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

## Summary

- **MauCAS** national switch (Bank of Mauritius)
- **Universal QR** EMVCo-based standard
- **UPI cross-border** with India
- **Free IPS** A2A transfers (June 2024)
- **24/7 instant** payment system

## Banking landscape

### Central Bank
- **Name:** Bank of Mauritius (BoM)
- **Website:** https://www.bom.mu/
- **Role:** Monetary policy, MauCAS operator

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | MCB (Mauritius Commercial Bank) | Local | MCB Juice |
| 2 | SBM (State Bank of Mauritius) | State | SBM Mobile |
| 3 | Barclays/Absa Mauritius | International | Absa App |
| 4 | HSBC Mauritius | International | HSBC Mobile |
| 5 | Bank One | Local | Bank One App |

### Market Structure
- **MauCAS:** Central switch (2019)
- **12 participants:** Connected
- **BoM:** Sole operator
- **Universal QR:** Interoperable

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| MauCAS | Bank of Mauritius | National switch | Active (2019) |
| IPS | BoM | Instant payment | 24/7 |
| MACSS | BoM | Clearing | Active |
| Bank Cards | Various | Visa/MC | Active |

### MauCAS Overview
- Launched August 2019
- Fully owned by Bank of Mauritius
- 24/7 operation
- Digital payment hub
- Multiple channels

### Instant Payment System (IPS)
- Real-time credit transfers
- Clears within seconds
- All participating banks
- Free A2A transfers (June 2024)

---

## QR code standards

### MauCAS QR Code

| Attribute | Value |
|-----------|-------|
| **Launch** | August 2019 |
| **Operator** | Bank of Mauritius |
| **Standard** | EMVCo |
| **Type** | Universal/Interoperable |

### MauCAS QR Features
- Any customer pays any merchant
- Bank-agnostic scanning
- App-agnostic payments
- EMVCo QR specifications
- Static and dynamic QR

### UPI Cross-Border Integration
- India UPI connectivity
- Seamless QR payments
- Traveler convenience
- Real-time processing

### Channels Supported
- Browser payments
- POS terminals
- QR code scanning
- ATM transactions
- Branch operations

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| MCB Juice | MCB | Yes | MauCAS enabled |
| SBM Mobile | SBM | Yes | MauCAS enabled |
| pop | MIPS | Yes | QR interop |
| Bank Apps | Various | Yes | All connected |

### MCB Juice Features
- MauCAS QR payments
- Instant transfers
- Bill payments
- P2P transfers
- Merchant scanning

### Universal Interoperability
- All bank apps support MauCAS QR
- Single QR for all providers
- No lock-in to specific app
- Consumer choice

### pop Platform
- QR code interoperability
- Multiple bank connection
- Merchant acceptance
- Consumer app

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [MauCAS QR](https://docs.barcoder.ai/docs/payments/MU/maucas-qr) | Universal QR | EMVCo | 2019 | [`maucas-qr`](https://docs.barcoder.ai/docs/standards/maucas-qr) |
| [IPS](https://docs.barcoder.ai/docs/payments/MU/ips) | Instant | A2A | Free 2024 | — |
| [UPI](https://docs.barcoder.ai/docs/payments/MU/upi) | Cross-border | QR | Active | — |

## Sources

- [Bank of Mauritius - MauCAS QR Code](https://www.bom.mu/maucasqrcode)
- [Bank of Mauritius - MauCAS QR Launch](https://www.bom.mu/maucasqrcode/bank-mauritius-launches-maucas-qr-code)
- [Bank of Mauritius - MauCAS](https://www.bom.mu/maucas-0)
- [AfricaNenda - Mauritius IPS Map](https://www.africanenda.org/map?scheme=mauritius-central-automated-switch-maucas)
- [Lightspark - Instant Payments Mauritius](https://www.lightspark.com/knowledge/instant-payments-mauritius)
- [TransFi - Mauritius Payment Methods](https://www.transfi.com/blog/popular-local-payment-methods-and-solutions-in-mauritius)
- [pop - QR Code Interoperability](https://www.pop.mu/qr-code-interoperability/)
- [FSC Mauritius - Digital Payments](https://www.longfinance.net/documents/3954/FSCMauritius_digital_payments_SLIDES.pdf)

## Full country report

[MU-mauritius.md](https://docs.barcoder.ai/docs/payments/MU)