# Tunisia — payment codes and schemes

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

## Summary

- **D17** first mobile payment (Masterpass QR certified)
- **e-Dinar** 1M+ cardholders foundation
- **11,000+ merchants** accepting D17 QR
- **PAPSS** first North African member (Feb 2024)
- **$8.8B** electronic transactions (2024)

## Banking landscape

### Central Bank
- **Name:** Banque Centrale de Tunisie (BCT)
- **Website:** https://www.bct.gov.tn/
- **Role:** Monetary policy, payment systems oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | STB (Société Tunisienne de Banque) | State | STB Mobile |
| 2 | BNA (Banque Nationale Agricole) | State | BNA App |
| 3 | BIAT | Private | BIAT Mobile |
| 4 | Attijari Bank | Regional | Attijari App |
| 5 | Amen Bank | Private | Amen Mobile |

### Market Structure
- **La Poste Tunisienne:** D17 operator
- **e-Dinar:** 1M+ cardholders
- **1,000+ post offices:** Cash-in/out
- **300+ ATMs:** Cash withdrawals

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| D17 | La Poste Tunisienne | Mobile payment | Active |
| Elyssa-RTGS | BCT | Real-time gross | Active |
| PAPSS | Afreximbank | Cross-border | Feb 2024 |
| SIBTEL | Tunisia | Card switch | Active |

### D17 Platform
- First mobile payment in Tunisia
- Masterpass QR certified
- 300,000+ active users
- 4+ years of operation

### Electronic Transaction Growth (2024)
- 27.9 billion dinars ($8.8B)
- 10.6% growth YoY
- 163 million transactions
- 9.4% volume increase

---

## QR code standards

### D17 QR (Masterpass Certified)

| Attribute | Value |
|-----------|-------|
| **Operator** | La Poste Tunisienne |
| **Certification** | Masterpass QR |
| **Merchants** | 11,000+ |
| **Coverage** | Nationwide |

### D17 QR Features
- Mastercard certified Masterpass QR
- Robust and secure transactions
- Standardized payment process
- Merchant payment network
- Bill payment integration

### e-Dinar Foundation
- Virtual account (Smart, DIGICARD, Young, PRO)
- Reload by national bank card
- Pay micro credit installments
- Issue money orders
- Send/receive between accounts
- Pay utilities (STEG, Sonède)

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| D17 | La Poste | Yes | Masterpass QR |
| Bank Apps | Various | Limited | Banking |

### D17 App Features
- Account management
- Mobile money transfer
- Bill payments (STEG, Sonède)
- Merchant QR payments
- Money order issuance
- Micro credit installments
- 300,000+ active users

### User Base
- Mostly students and youth
- Promoting digital payments
- Growing adoption
- Financial inclusion focus

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [D17 QR](https://docs.barcoder.ai/docs/payments/TN/d17-qr) | Mobile QR | Masterpass | 11K+ merchants | [`d17-qr`](https://docs.barcoder.ai/docs/standards/d17-qr) |
| [e-Dinar](https://docs.barcoder.ai/docs/payments/TN/e-dinar) | Card-based | La Poste | 1M+ | [`e-dinar`](https://docs.barcoder.ai/docs/standards/e-dinar) |
| [PAPSS](https://docs.barcoder.ai/docs/payments/TN/papss) | Cross-border | Regional | Feb 2024 | [`papss`](https://docs.barcoder.ai/docs/standards/papss) |

## Sources

- [D17 Official](https://d17.tn/)
- [Google Play - D17](https://play.google.com/store/apps/details?id=tn.mobipost)
- [App Store - D17](https://apps.apple.com/tn/app/digipostbank-d17/id1475640303)
- [ITU - D17 Mobile Payment](https://www.itu.int/net4/wsis/stocktaking/Prizes/2023/DetailsPopup/16420145975511582)
- [GTR - PAPSS Tunisia](https://www.gtreview.com/news/africa/pan-african-payment-system-signs-up-tunisian-central-bank/)
- [We Are Tech - Tunisia 2024](https://www.wearetech.africa/fr/fils/actualites/finance/tunisie-les-transactions-electroniques-ont-atteint-8-8-milliards-de-dollars-en-2024)

## Full country report

[TN-tunisia.md](https://docs.barcoder.ai/docs/payments/TN)