# MyCash

> Source: https://docs.barcoder.ai/docs/standards/mycash
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [MyCash — official](https://mycash.ws/)
- [Digicel launches MyCash — Jamaica Gleaner](https://jamaica-gleaner.com/article/business/20230329/digicel-joins-digital-wallet-game-mycash)

## Overview

**MyCash** is **Digicel's mobile-wallet brand** deployed in **Jamaica (since March 2023)** and **Fiji** (alongside [M-PAiSA QR](https://docs.barcoder.ai/docs/standards/m-paisa-qr) Vodafone), serving Digicel's Caribbean + Pacific MNO footprint <sup>[1][1], [2][2], [carib-cro]</sup>. Digicel Jamaica launched MyCash in **late March 2023**, leveraging its **2+ million Jamaican mobile-phone subscribers** to drive adoption. The Jamaican mobile-money market is **competitive**: MyCash competes against **Lynk** (NCB-backed), **WiPay** (regional fintech), **JAM-DEX** (Jamaican CBDC — see [JAM-DEX QR](https://docs.barcoder.ai/docs/standards/jam-dex-qr)), and bank mobile apps (Scotiabank, NCB, JN Bank). **Digicel was arguably late** to the Jamaican digital-wallet market — competitors had headstarts of years.

The platform supports **QR Pay** for fast/reliable/safe payments, **P2P transfers between MyCash users**, **Top Up other local Digicel users from MyCash**, and **cash access via dedicated MyCash Agents across Jamaica**. **Digicel MyCash Mastercard prepaid card** is a recent addition — extending mobile-money balance to global Mastercard acceptance. The Fiji deployment (parallel to Vodafone Fiji's M-PAiSA) operates as Digicel's Pacific-island mobile-money product — illustrating Digicel's pan-region MyCash deployment strategy.

## History

**Background — Digicel + Jamaican payment landscape** <sup>[2][2], [carib-cro]</sup>:
- **Digicel** founded 2001 in Jamaica by Irish telecoms entrepreneur Denis O'Brien.
- Pan-Caribbean + Pacific MNO footprint.
- 2+ million Jamaican mobile subscribers.

**March 2023 — Digicel launches MyCash in Jamaica** <sup>[2][2]</sup>:
- Tuesday March 2023 official launch.
- Leverages existing subscriber base.
- Late market entry — competitors had years of headstart.

**MyCash also in Fiji**:
- Parallel deployment in Digicel's Fiji market.
- Competes with Vodafone Fiji's [M-PAiSA QR](https://docs.barcoder.ai/docs/standards/m-paisa-qr).

**Digicel MyCash Mastercard** [[sflcn]]:
- Recent extension — prepaid Mastercard linked to MyCash balance.
- Global Mastercard acceptance.

## Technical specification

MyCash is **Digicel's pan-region MNO mobile-wallet** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Operator** | **Digicel** |
| **Markets** | **Jamaica (Mar 2023)**, **Fiji**, others |
| **Currency** | JMD (Jamaican dollar), FJD (Fijian dollar) per market |
| **Channels** | MyCash mobile app, USSD, agent network |
| **QR support** | QR Pay for merchant payments |
| **Card extension** | **MyCash Mastercard** (prepaid) |
| **P2P** | Between MyCash users |
| **Top-up** | Other Digicel users |
| **Cash access** | Dedicated MyCash Agents |

**Late-mover positioning** <sup>[2][2]</sup>:
- Digicel Jamaica late to digital-wallet market.
- Strategy: leverage 2M+ subscriber base for rapid adoption.

## Use cases

**P2P transfers** <sup>[1][1]</sup>: Between MyCash users.

**Merchant QR payments (QR Pay)** <sup>[1][1]</sup>: Fast, reliable, safe.

**Top-up other Digicel users** <sup>[2][2]</sup>: Send airtime/credit.

**Cash access at MyCash Agents** <sup>[1][1]</sup>: Convert cash ↔ MyCash balance.

**Global Mastercard acceptance via MyCash Mastercard** [[sflcn]]: Prepaid card extension.

## Implementations & ecosystem

**Operator**: **Digicel**.

**Markets**: Jamaica, Fiji, broader Digicel footprint.

**Major Jamaican competitors**: **Lynk** (NCB), **WiPay** (regional fintech), **[JAM-DEX QR](https://docs.barcoder.ai/docs/standards/jam-dex-qr)** (Jamaican CBDC), bank apps (Scotiabank, NCB, JN Bank).

**Major Fijian competitor**: **[M-PAiSA QR](https://docs.barcoder.ai/docs/standards/m-paisa-qr)** (Vodafone Fiji).

**Mastercard partner**: For MyCash Mastercard.

## Fun facts

- **Late-mover Jamaican launch (Mar 2023)**: Despite Digicel's dominant subscriber base, mobile-wallet launch lagged competitors by years.
- **Pan-region brand**: MyCash deployed in multiple Digicel markets (Jamaica + Fiji + others) — single brand pan-region.
- **2M+ Jamaican subscribers**: Built-in distribution advantage despite late market entry.
- **MyCash Mastercard prepaid extension**: Global card acceptance from mobile-money balance.
- **Denis O'Brien-founded Digicel**: Irish telecoms entrepreneur built Digicel into Caribbean MNO powerhouse.
- **Competitive Jamaican context**: Lynk (NCB-backed) + WiPay + JAM-DEX CBDC + bank apps — crowded market.
- **Pacific-island Fiji deployment**: Same MyCash brand in Fiji competing with Vodafone Fiji's M-PAiSA.

## Comparison

| Feature | MyCash (JM/FJ) | Lynk (JM, competitor) | [M-PAiSA QR](https://docs.barcoder.ai/docs/standards/m-paisa-qr) (FJ, competitor) | [MonCash QR](https://docs.barcoder.ai/docs/standards/moncash-qr) (HT) | [JAM-DEX QR](https://docs.barcoder.ai/docs/standards/jam-dex-qr) (JM CBDC) |
|---|---|---|---|---|---|
| Operator | Digicel (MNO) | NCB (bank) | Vodafone Fiji (MNO) | Digicel Haiti | BoJ (central bank) |
| Launch | Mar 2023 (JM) | n/a | 2010 | 2015 relaunch | 2022 |
| Subscriber-base leverage | **2M+ Digicel JM** | NCB customers | Vodafone subscribers | Digicel HT subscribers | All Jamaicans |
| Card extension | **MyCash Mastercard** | n/a | M-PAiSA Mastercard | n/a | n/a |

## Status

**Active, growing Digicel mobile money** <sup>[1][1], [2][2]</sup>:
- **Digicel** operator.
- **Jamaica (Mar 2023)** + **Fiji** + other Digicel markets.
- **MyCash Mastercard** card extension.
- **QR Pay** + P2P + agent network.

## Sources

[1]: https://mycash.ws/ "MyCash — official"
[2]: https://jamaica-gleaner.com/article/business/20230329/digicel-joins-digital-wallet-game-mycash "Digicel MyCash launch JM — Jamaica Gleaner"
[sflcn]: https://sflcn.com/digicel-mycash-revolutionizes-financial-services-with-new-prepaid-mastercard/ "MyCash Mastercard"

- [1] [MyCash — official][1]
- [2] [Digicel MyCash JM launch — Jamaica Gleaner][2]
- [sflcn] [MyCash Mastercard][sflcn]
- [carib-cro] Multiple Caribbean country reports

## Deployments

Found in the following country reports (grep across `reports/countries/`):

- **VU** — [VU-vanuatu.md](https://docs.barcoder.ai/docs/payments/VU)
- **WS** — [WS-samoa.md](https://docs.barcoder.ai/docs/payments/WS)

## Regions / aggregations not mapped to a single country

- Samoa/Vanuatu