# Vinti4

> Source: https://docs.barcoder.ai/docs/standards/vinti4
> research date 2026-05-29 · extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [SISP — official](https://www.sisp.cv/)
- [Vinti4 — official](https://www.vinti4.cv/web.aspx)

## Overview

**Vinti4** is **Cape Verde's national electronic-payment network + card scheme**, managed by **SISP** (Sociedade Interbancária e Sistemas de Pagamentos, SA) — Cape Verde's interbank-payments-systems company **established 2000** <sup>[1][1], [2][2], [Cabo Verde report](https://docs.barcoder.ai/docs/payments/CV)</sup>. SISP manages **Vinti4 ATM + POS network + cards + e-commerce + QR code payments** + provides services for **banking systems for national and international payments, debit card issuance and management, and electronic payment + information data transfer**. Vinti4 cards are accepted across **10,418+ Cape Verdean POS terminals + 210+ countries internationally**.

The structural significance: Vinti4 is **one of Africa's most-developed national-card schemes for a small island nation** — Cape Verde's **550K population + small island geography** make Vinti4's modern payment infrastructure remarkable. SISP's **founding 2000 + Vinti4 build-out + QR-payment extension** illustrates Cape Verdean payment-system maturity comparable to much larger markets. **Vinti4 QR Code payments** add **mobile-phone-scan-to-pay** to the established card + ATM + POS infrastructure — enabling Cape Verdean merchants to accept QR payments alongside cards. SISP's **broader services** (Remote Signing Service, international payments, digital-signature) make it a comprehensive **national fintech infrastructure provider** for Cape Verde. Visa + Mastercard acceptance through SISP's international gateway enables both international card acceptance in Cape Verde + Vinti4 card acceptance abroad in 210+ countries.

## History

**Background — Cape Verde payment landscape** <sup>[Cabo Verde report](https://docs.barcoder.ai/docs/payments/CV)</sup>:
- **Banco de Cabo Verde (BCV)** — central bank.
- **SISP** (Sociedade Interbancária e Sistemas de Pagamentos) — bank-owned national payment infrastructure.
- Major banks: Banco BAI Cabo Verde, Caixa Económica, BCN, BCA.

**2000 — SISP founded** <sup>[1][1]</sup>:
- National payment infrastructure operator.

**Vinti4 launch as national card scheme** <sup>[1][1]</sup>:
- ATM, POS, e-commerce, card issuance.

**International acceptance via Visa + Mastercard** <sup>[2][2]</sup>:
- 210+ countries.

**QR Code payments addition** <sup>[3][3]</sup>:
- Mobile-phone-scan-to-pay.

**10,418+ POS terminals** <sup>[1][1]</sup>:
- Established merchant network.

**SISP Remote Signing Service launch** [[ascertia]]:
- Digital-signature service expansion.

## Technical specification

Vinti4 is **SISP-managed national CV card + ATM + POS + e-commerce + QR-payment scheme** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Operator** | **SISP** (Sociedade Interbancária e Sistemas de Pagamentos, SA) |
| **Founded** | **2000** |
| **Country** | Cape Verde |
| **Currency** | CVE (Cape Verdean escudo) |
| **Card type** | Vinti4 national debit card |
| **POS terminals** | **10,418+** |
| **International acceptance** | **210+ countries** via Visa + Mastercard |
| **QR Code payments** | Mobile-phone-scan-to-pay extension |
| **Companion services** | Remote Signing Service, e-commerce, international payments |

## Use cases

**ATM withdrawals + POS card payments** <sup>[1][1]</sup>: Cardinal — established card use.

**E-commerce checkout via Vinti4** <sup>[2][2]</sup>: Online integration.

**QR Code mobile-phone payments** <sup>[3][3]</sup>: Recent extension.

**International acceptance abroad (210+ countries)** <sup>[1][1]</sup>: Via Visa + Mastercard.

**Remote Signing Service for digital documents** [[ascertia]]: Digital-signature.

**Cross-bank P2P + B2B settlement** <sup>[1][1]</sup>: National infrastructure.

## Implementations & ecosystem

**Operator**: **SISP** (bank-owned).

**Regulator**: **Banco de Cabo Verde (BCV)**.

**Major CV bank issuers**:
- **Banco BAI Cabo Verde**.
- **Caixa Económica de Cabo Verde**.
- **BCN**.
- **BCA**.

**International partners**: Visa + Mastercard.

**Digital-signature partner**: Ascertia.

## Fun facts

- **SISP founded 2000**: 26-year operational history.
- **10,418+ POS terminals** in Cape Verde (population ~550K).
- **210+ countries international acceptance**: Via Visa + Mastercard gateway.
- **QR Code mobile payments**: Recent extension to established card scheme.
- **Remote Signing Service**: Digital-signature service expansion.
- **Bank-owned consortium model**: Multi-bank shared infrastructure.
- **Small-island-nation modern payment infrastructure**: Remarkable maturity for 550K population.

## Comparison

| Feature | Vinti4 (CV) | [gh-link](https://docs.barcoder.ai/docs/standards/gh-link) (GH) | NIBSS NIP (NG) | [Zimswitch](https://docs.barcoder.ai/docs/standards/zimswitch) (ZW) | [Narae Card](https://docs.barcoder.ai/docs/standards/narae-card) (KP) |
|---|---|---|---|---|---|
| Operator | SISP (bank-owned consortium) | GhIPSS | NIBSS | ZIMSWITCH | DPRK Foreign Trade Bank |
| Type | **National card + ATM + POS + QR + e-commerce** | National switch | National switch | National EFT switch | National card |
| Founded | **2000** | 2008 | 2011 | n/a | n/a |
| International | **210+ countries via Visa + Mastercard** | Limited | Limited | Limited | DPRK-only |
| POS terminals | **10,418+** | n/a | n/a | n/a | n/a |

## Status

**Active, mature CV national infrastructure** <sup>[1][1], [2][2]</sup>:
- **SISP operator since 2000**.
- **10,418+ POS terminals**.
- **210+ countries international acceptance**.
- **QR Code mobile payments addition**.

## Sources

[1]: https://www.sisp.cv/ "SISP — official"
[2]: https://www.vinti4.cv/web.aspx "Vinti4 — official"
[3]: https://www.sisp.cv/news.aspx?id=29 "Vinti4 QR Code — SISP"
[ascertia]: https://blog.ascertia.com/case-study-sisp-prepares-to-launch-a-remote-signing-service-in-cabo-verde "SISP Remote Signing Service — Ascertia"

- [1] [SISP — official][1]
- [2] [Vinti4 — official][2]
- [3] [Vinti4 QR Code — SISP][3]
- [ascertia] [SISP Remote Signing Service — Ascertia][ascertia]
- <sup>[Cabo Verde report](https://docs.barcoder.ai/docs/payments/CV)</sup> `reports/countries/CV-cape-verde.md`

## Deployments

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

- **CV** — [CV-cabo-verde.md](https://docs.barcoder.ai/docs/payments/CV)