# Timor-Leste — payment codes and schemes

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

## Summary

- **TPAY (Timor Pay)** QR code payment app
- **UnionPay launched** September 2024 (first card issuance)
- **BNCTL** largest national bank with digital transformation
- **Livin' Mandiri** QR Transfer feature
- **DPay** emerging payment app

## Banking landscape

### Central Bank
- **Name:** Banco Central de Timor-Leste (BCTL)
- **Website:** https://www.bancocentral.tl/
- **Role:** Monetary policy, banking regulation

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | BNCTL | State | BNCTL Mobile |
| 2 | Bank Mandiri Dili | Foreign | Livin' Mandiri |
| 3 | ANZ | Foreign | ANZ App |
| 4 | BNU | Foreign | BNU Mobile |

### Market Structure
- **BNCTL:** Largest national bank
- **USD currency:** Official tender
- **Digital transformation:** BNCTL priority
- **UnionPay:** New entrant (2024)

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| TPAY | Telkomcel | QR Payment | Active |
| UnionPay | BNCTL | Card/ATM | Active (Sept 2024) |
| Livin' QR | Mandiri | QR Transfer | Active |
| DPay | DPay | Mobile app | Active |

### BNCTL Network
- National commercial bank
- Government owned
- Present in every district
- Agency, ATM, POS channels

### UnionPay Launch (September 2024)
- First card issuance in Timor-Leste
- BNCTL partnership
- ATM acceptance
- Merchant network (hotels, restaurants, shops)

---

## QR code standards

### TPAY (Timor Pay)

| Attribute | Value |
|-----------|-------|
| **Operator** | Telkomcel (Telkom Indonesia) |
| **Type** | QR Payment App |
| **Features** | Shopping, transfers, airtime |
| **Platform** | Android, iOS |

### TPAY Features
- QR code transactions
- Shopping payments
- Money transfers
- Airtime purchases
- Electronic wallet replacement

### Livin' by Mandiri QR

| Attribute | Value |
|-----------|-------|
| **Operator** | Bank Mandiri Dili |
| **Type** | QR Transfer |
| **Features** | Instant transfers |
| **Integration** | Bank accounts |

### Livin' QR Features
- Scan QR Transfer code
- Instant fund transfers
- Show QR to receive money
- Bank Mandiri account linked

### DPay

| Attribute | Value |
|-----------|-------|
| **Operator** | DPay |
| **Origin** | Timor-Leste |
| **Features** | Bills, QR, shopping |
| **Cross-border** | Indonesia shopping |

### DPay Features
- Bill payments
- QR scanning
- Indonesia shopping access
- Financial management

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| TPAY | Telkomcel | Yes | Full wallet |
| Livin' Mandiri | Mandiri | Yes | Banking, QR |
| DPay | DPay | Yes | Bills, shopping |

### TPAY App
- Developed by Telkom Indonesia International TL
- Electronic wallet functions
- QR code payments
- Airtime and bill payments

### Livin' by Mandiri Timor-Leste
- Mobile banking app
- Seamless daily transactions
- QR Transfer feature
- Fund monitoring

### DPay App
- Cutting-edge local app
- Revolutionize transactions
- Trusted and secure
- Financial needs management

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [TPAY](https://docs.barcoder.ai/docs/payments/TL/tpay) | QR Wallet | Telkomcel | Active | [`tpay`](https://docs.barcoder.ai/docs/standards/tpay) |
| [Livin' QR](https://docs.barcoder.ai/docs/payments/TL/livin-qr) | QR Transfer | Mandiri | Active | — |
| [UnionPay](https://docs.barcoder.ai/docs/payments/TL/unionpay) | Card | BNCTL | Sept 2024 | — |

## Sources

- [UnionPay - BNCTL Launch](https://m.unionpayintl.com/wap/en/mediaCenter/newsCenter/marketUpdate/3015845.shtml)
- [App Store - TPAY](https://apps.apple.com/us/app/tpay-timor-pay/id1514336290)
- [App Store - Livin' Mandiri Timor-Leste](https://apps.apple.com/us/app/livin-by-mandiri-timor-leste/id6737297093)
- [DPay Official](https://dpay.tl/about)
- [Forum Macao - First Mobile Wallet](https://www.forumchinaplp.org.mo/en/economic_trade/view/526)
- [Google Play - TPAY](https://play.google.com/store/apps/details?id=com.dokuwallettpay.android)
- [MobilityPass - Timor Leste](https://www.mobilitypass.com/sim/en/coverage_country?country=Timor+Leste&type=Pay)
- [UnionPay - BNCTL UPI Acquirer](https://m.unionpayintl.com/wap/en/mediaCenter/newsCenter/marketUpdate/8204.shtml)
- [Ecwid - Timor-Leste Payments](https://support.ecwid.com/hc/en-us/articles/9229971621788-Payment-options-for-Timor-Leste-East-Timor)
- [Wise - BCTL Branches](https://wise.com/gb/swift-codes/countries/timor-leste/banking-and-payments-authority-of-east-timor)

## Full country report

[TL-timor-leste.md](https://docs.barcoder.ai/docs/payments/TL)