# Chad — payment codes and schemes

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

## Summary

- **Airtel Money** first mobile money (with Ecobank)
- **3% banking rate** lowest in Sub-Saharan Africa
- **Mastercard partnership** GlobalPay Card
- **CEMAC zone** regional integration
- **Limited infrastructure** major challenge

## Banking landscape

### Central Bank
- **Name:** BEAC (Bank of Central African States)
- **Website:** https://www.beac.int/
- **Role:** Regional monetary policy (CEMAC zone)

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Ecobank Chad | Pan-African | Ecobank Mobile |
| 2 | Commercial Bank Tchad | Local | CBT Mobile |
| 3 | Société Générale Tchad | International | SG Mobile |
| 4 | Orabank Chad | Regional | Orabank App |
| 5 | UBA Chad | Pan-African | UBA App |

### Market Structure
- **3% banking rate:** Lowest in SSA
- **Airtel Money:** First mobile money
- **CEMAC zone:** Shared CFA franc
- **Unbanked majority:** Critical need

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Airtel Money | Airtel Chad | Mobile money | Active |
| BEAC Clearing | BEAC | Interbank | Active |
| Cash | Physical | Primary | Dominant |

### Airtel Money Chad
- First mobile money in Chad
- Ecobank partnership
- Financial transactions on mobile
- Unbanked population access

### Infrastructure Challenges
- Lowest banking access in SSA
- Limited branch networks
- Connectivity constraints
- Cash-dominant economy

---

## QR code standards

### No Established National QR

| Attribute | Value |
|-----------|-------|
| **National QR** | None |
| **Airtel Money** | Limited/emerging |
| **Adoption** | Very early |
| **Infrastructure** | Developing |

### Airtel Money Features
- Mobile financial transactions
- Person-to-person transfers
- Bill payments
- Airtime purchases
- Agent network

### Mastercard GlobalPay Card (2024)
- Virtual payment solution
- Connected to Airtel Money wallet
- International online merchants
- Facebook, Netflix, Uber, Amazon access

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Airtel Money | Airtel | Limited | Mobile money |
| Ecobank Mobile | Ecobank | Limited | Banking |

### Airtel Money App
- Mobile money transactions
- GlobalPay virtual card
- Bill payments
- Airtime purchase
- Agent network access

### GlobalPay Card Features
- Virtual payment card
- Wallet-linked
- Global merchant access
- Amazon, AliExpress, Alibaba
- Google, Netflix, Uber

### 2024 Market Growth
- 22% transaction volume growth
- 15% value growth
- Partnership acceleration
- Digital adoption rising

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Airtel Money](https://docs.barcoder.ai/docs/payments/TD/airtel-money) | Mobile money | App | Growing | [`airtel-money`](https://docs.barcoder.ai/docs/standards/airtel-money) |
| [GlobalPay](https://docs.barcoder.ai/docs/payments/TD/globalpay) | Virtual card | Mastercard | 2024 | — |

## Sources

- [Payments Dive - Airtel Money Launch](https://www.paymentsdive.com/ex/mpt/news/airtel-launches-mobile-money-in-chad/)
- [MFW4A - Airtel Money Chad](https://www.mfw4a.org/news/airtel-launches-new-mobile-payment-service-chad)
- [Connecting Africa - Mastercard $100M](https://www.connectingafrica.com/investment/airtel-money-gets-100m-investment-from-mastercard)
- [Connecting Africa - GlobalPay Card](https://www.connectingafrica.com/partnerships/airtel-money-launches-virtual-card)
- [Finextra - Chad Mobile Money](https://www.finextra.com/newsarticle/23818/airtel-launches-chad-mobile-money-service)
- [TechCrunch - Mastercard Investment](https://techcrunch.com/2021/04/01/airtel-africa-receives-additional-100m-for-its-mobile-money-business-from-mastercard/)
- [Airtel Africa - Mobile Money](https://www.airtel.africa/mobile-money)
- [Ecofin Agency - Mobile Money Boom](https://www.ecofinagency.com/news/0109-48308-africa-s-mobile-money-boom-a-new-frontier-for-global-payment-giants)

## Full country report

[TD-chad.md](https://docs.barcoder.ai/docs/payments/TD)