# Orange Money

> Source: https://docs.barcoder.ai/docs/wallets/orange-money
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Orange Money — official](https://www.orange.com/en/orange-money)

## Overview

**Orange Money** is Orange S.A. pan-African mobile money + **>100M customers Nov 2025** + **17 countries** + **44-45M active users 2025** + **H1 2025 42.8M active users +20% YoY** + **Q3 2025 revenue +17.4%** + **West Africa's digital payment champion** <sup>[1][1], [2][2], [France report](https://docs.barcoder.ai/docs/payments/FR)</sup>. **2025 baseline**: Orange Money >100M customers Nov 2025 + 17 countries + 44-45M active users 2025 + H1 2025 42.8M active users +20% YoY + Q3 2025 revenue +17.4%; **West Africa's digital payment champion** distinctive pan-African mobile money West Africa dominance; **Orange surpasses 300M customers globally Q3 2025** distinctive Orange S.A. global telecom + mobile money scale; **Orange Money + Visa strategic partnership Dec 19 2025 to bring virtual cards to millions across Africa + accelerate online payments across Africa** distinctive pan-African mobile money virtual card expansion.

**Distinctive Orange Money positioning**:
- **Orange S.A. pan-African mobile money** (Orange Money Group; Orange S.A. subsidiary; ENXTPA: ORA; French multinational telecom)
- **>100M customers Nov 2025** distinctive pan-African mobile money scale
- **17 countries** distinctive pan-African mobile money geographic coverage
- **44-45M active users 2025** distinctive pan-African mobile money active user scale
- **H1 2025 42.8M active users +20% YoY** distinctive pan-African mobile money active user growth
- **Q3 2025 revenue +17.4%** distinctive pan-African mobile money revenue growth
- **West Africa's digital payment champion** distinctive pan-African mobile money West Africa dominance
- **Orange surpasses 300M customers globally Q3 2025** distinctive Orange S.A. global telecom + mobile money scale
- **Orange Money + Visa strategic partnership Dec 19 2025 to bring virtual cards to millions across Africa + accelerate online payments across Africa** distinctive pan-African mobile money virtual card expansion
- **Africa accounts for 74% of all mobile money transactions globally with over 1.1 billion active accounts processing $1.1 trillion in transactions during 2024**

## History

**Dec 12 2008 — Orange Money launches in Côte d'Ivoire** as pan-African mobile money pioneer.

**2010-2024 — Orange Money expansion to 17 African + Middle Eastern countries** distinctive pan-African mobile money geographic expansion (Senegal + Mali + Côte d'Ivoire + Cameroon + Madagascar + Niger + Burkina Faso + Guinea-Bissau + Jordan + Egypt + Morocco + DRC + Republic of Congo + Botswana + Liberia + Sierra Leone + Benin + Tunisia).

**H1 2025 — Orange Money 42.8M active users +20% YoY**.

**Q3 2025 — Orange Money 44M active users + revenue +17.4% + Orange surpasses 300M customers globally**.

**Nov 2025 — Orange Money >100M customers + 17 countries** distinctive pan-African mobile money scale milestone.

**Dec 19 2025 — Orange Money Group + Visa strategic partnership announced to accelerate online payments across Africa + bring virtual cards to millions across Africa** <sup>[3][3]</sup>.

## Ownership & operator

**Operating entity**: **Orange Money Group** (Orange S.A. subsidiary; ENXTPA: ORA; French multinational telecom; West Africa's digital payment champion).

**Major shareholders**: **Orange S.A. (ENXTPA: ORA; French multinational telecom; French government ~22.95% controlling + French strategic shareholders + retail + institutional + foreign investors)**.

**Regulators**: **BCEAO (Banque Centrale des Etats de l'Afrique de l'Ouest) + BEAC (Banque des États de l'Afrique Centrale) + national regulators**.

## Technical integration

Orange Money mobile app (iOS + Android) + Orange Money USSD (*144#) + Orange Money agent network across Africa + Orange Money + Visa virtual cards (post-Dec 19 2025 Orange Money + Visa strategic partnership); GIMAC Pay + PI DPay WAEMU + Pesalink (partial); **Orange Money + Visa strategic partnership Dec 19 2025 to bring virtual cards to millions across Africa + accelerate online payments across Africa** distinctive pan-African mobile money virtual card expansion + Orange Bank Africa (Orange Money subsidiary banking license).

## Users & growth

**Nov 2025**: Orange Money >100M customers + 17 countries + 44-45M active users 2025 + H1 2025 42.8M active users +20% YoY + Q3 2025 revenue +17.4%.

## Use cases

Pan-African (Senegal + Mali + Côte d'Ivoire + Cameroon + Madagascar + Niger + Burkina Faso + Guinea-Bissau + Jordan + Egypt + Morocco + DRC + Republic of Congo + Botswana + Liberia + Sierra Leone + Benin + Tunisia) retail + private + financial inclusion + mobile money + agent-based + online payments + cross-border + virtual cards via Orange Money mobile + Orange Money USSD (*144#) + Orange Money agent network across Africa + Orange Money + Visa virtual cards; GIMAC Pay + PI DPay WAEMU + Pesalink (partial); **Orange Money + Visa strategic partnership Dec 19 2025 to bring virtual cards to millions across Africa + accelerate online payments across Africa** distinctive pan-African mobile money virtual card expansion.

## Implementations & partners

**Operator**: Orange Money Group (Orange S.A. subsidiary; ENXTPA: ORA; French multinational telecom; West Africa's digital payment champion); Orange S.A. (ENXTPA: ORA; French multinational telecom; French government ~22.95% controlling + French strategic shareholders + retail + institutional + foreign investors).

**Visa strategic partnership**: **Orange Money Group + Visa strategic partnership Dec 19 2025 to bring virtual cards to millions across Africa + accelerate online payments across Africa** distinctive pan-African mobile money virtual card expansion.

**Major pan-African mobile money competitors**: [M-Pesa](https://docs.barcoder.ai/docs/wallets/m-pesa) (Safaricom Kenya M-Pesa mobile money pioneer; 50M+ users across 7 countries) + [MTN MoMo](https://docs.barcoder.ai/docs/standards/mtn-momo) (MTN Mobile Money pan-African mobile money; 70M+ users across 17 African countries) + [Airtel Money](https://docs.barcoder.ai/docs/standards/airtel-money) (Airtel Africa pan-African mobile money; 39M+ users across 14 African countries) + Moov Money (Moov Money pan-African mobile money; 14 African countries) + [Wave Mobile Money (West Africa)](https://docs.barcoder.ai/docs/wallets/wave-money-africa) (Wave Mobile Money pan-African digital wallet; ~20M+ active users across Senegal + Côte d'Ivoire + Uganda + Mali + Burkina Faso + The Gambia; Sequoia Capital + Stripe + Founders Fund $1.7B valuation 2021) + [EcoCash](https://docs.barcoder.ai/docs/wallets/ecocash) (Zimbabwean mobile money pioneer; Econet Wireless) + [Wing (Cambodia) — Wing Bank](https://docs.barcoder.ai/docs/wallets/wing-bank) (Cambodian mobile money + banking license; 9M+ accounts).

**Regulators**: BCEAO + BEAC + national regulators.

## Fun facts

- **Orange S.A. pan-African mobile money** (Orange Money Group; Orange S.A. subsidiary; ENXTPA: ORA; French multinational telecom).
- **>100M customers Nov 2025** distinctive pan-African mobile money scale.
- **17 countries** distinctive pan-African mobile money geographic coverage.
- **44-45M active users 2025** distinctive pan-African mobile money active user scale.
- **H1 2025 42.8M active users +20% YoY** distinctive pan-African mobile money active user growth.
- **Q3 2025 revenue +17.4%** distinctive pan-African mobile money revenue growth.
- **West Africa's digital payment champion** distinctive pan-African mobile money West Africa dominance.
- **Orange surpasses 300M customers globally Q3 2025** distinctive Orange S.A. global telecom + mobile money scale.
- **Orange Money + Visa strategic partnership Dec 19 2025 to bring virtual cards to millions across Africa + accelerate online payments across Africa** distinctive pan-African mobile money virtual card expansion.
- **Africa accounts for 74% of all mobile money transactions globally with over 1.1 billion active accounts processing $1.1 trillion in transactions during 2024**.

## Comparison

| Feature | Orange Money | [M-Pesa](https://docs.barcoder.ai/docs/wallets/m-pesa) (Safaricom Kenya M-Pesa mobile money pioneer rival; 50M+ users across 7 countries) | [MTN MoMo](https://docs.barcoder.ai/docs/standards/mtn-momo) (MTN Mobile Money pan-African mobile money rival; 70M+ users across 17 African countries) | [Airtel Money](https://docs.barcoder.ai/docs/standards/airtel-money) (Airtel Africa pan-African mobile money rival; 39M+ users across 14 African countries) | [Wave Mobile Money (West Africa)](https://docs.barcoder.ai/docs/wallets/wave-money-africa) (Wave Mobile Money pan-African digital wallet rival; ~20M+ active users) |
|---|---|---|---|---|---|
| Operator | **Orange Money Group (Orange S.A. subsidiary; ENXTPA: ORA; French multinational telecom)** | Safaricom Plc (NSE: SCOM; Vodafone PLC ~35% + Kenyan government Treasury ~35%) | MTN Group (JSE: MTN; South African multinational telecom) | Airtel Africa (LSE: AAF; NSE Lagos: AIRTELAFRI; Bharti Airtel African subsidiary) | Wave Mobile Money Inc (privately-held; $1.7B valuation 2021; Sequoia Capital + Stripe + Founders Fund) |
| Type | **Pan-African mobile money + >100M customers Nov 2025 + 17 countries + 44-45M active users 2025 + H1 2025 42.8M active users +20% YoY + Q3 2025 revenue +17.4% + West Africa's digital payment champion + Orange surpasses 300M customers globally Q3 2025 + Orange Money + Visa strategic partnership Dec 19 2025** | Safaricom Kenya M-Pesa mobile money pioneer + 50M+ users across 7 countries (Kenya + Tanzania + Mozambique + Lesotho + Ethiopia + DRC + Egypt) | MTN Mobile Money pan-African mobile money + 70M+ users across 17 African countries | Airtel Africa pan-African mobile money + 39M+ users across 14 African countries | Wave Mobile Money pan-African digital wallet + ~20M+ active users across Senegal + Côte d'Ivoire + Uganda + Mali + Burkina Faso + The Gambia + Sequoia Capital + Stripe + Founders Fund $1.7B valuation 2021 |
| Country | SN + ML + CI + CM + MG + NE + BF + GW + JO + EG + MA + CD + CG + BW + LR + SL + BJ + TN (18 countries) | KE + TZ + MZ + LS + ET + CD + EG (7 countries) | UG + GH + CI + CM + RW + ZA + ZM + BJ + LR + SS + SD + GW + NG + others (17 African countries) | KE + UG + TZ + ZM + MW + MG + GA + CD + NE + TD + NG + SC + SL + RW (14 African countries) | SN + CI + UG + ML + BF + GM (6 African countries) |
| Distinctive | **Dec 12 2008 Orange Money launches in Côte d'Ivoire (pan-African mobile money pioneer); 2010-2024 Orange Money expansion to 17 African + Middle Eastern countries; H1 2025 42.8M active users +20% YoY; Q3 2025 44M active users + revenue +17.4% + Orange surpasses 300M customers globally; Nov 2025 >100M customers + 17 countries; Dec 19 2025 Orange Money Group + Visa strategic partnership** | 2007 M-Pesa launches in Kenya by Safaricom + Vodafone (Kenyan mobile money pioneer); 2007 M-Pesa Kenya launch revolutionized mobile money | 2009 MTN Mobile Money launches in Uganda + Cote d'Ivoire | 2010 Airtel Money launches | 2017 Wave founding by Drew Durbin + Lincoln Quirk in San Francisco; 2018 Wave Senegal launch + agent-based mobile money model |

## Status

**Active, Orange S.A. pan-African mobile money + >100M customers Nov 2025 + 17 countries + 44-45M active users 2025 + West Africa's digital payment champion + Orange Money + Visa strategic partnership Dec 19 2025** <sup>[1][1], [2][2], [3][3]</sup>:
- **Orange Money Group (Orange S.A. subsidiary; ENXTPA: ORA; French multinational telecom; West Africa's digital payment champion)** since Dec 12 2008 Orange Money launches in Côte d'Ivoire + 2010-2024 Orange Money expansion to 17 African + Middle Eastern countries + H1 2025 42.8M active users +20% YoY + Q3 2025 44M active users + revenue +17.4% + Orange surpasses 300M customers globally + Nov 2025 >100M customers + 17 countries + Dec 19 2025 Orange Money Group + Visa strategic partnership.
- **Orange Money >100M customers Nov 2025 + 44-45M active users 2025**.
- **Orange Money + Visa strategic partnership Dec 19 2025 to bring virtual cards to millions across Africa + accelerate online payments across Africa**.
- **BCEAO + BEAC + national regulators**.

## Sources

[1]: https://techafricanews.com/2025/10/23/orange-q3-2025-africa-middle-east-drive-double-digit-growth-as-orange-surpasses-300-million-customers-globally/ "Orange Q3 2025: Africa & Middle East Drive Double-Digit Growth as Orange Surpasses 300 Million Customers Globally — TechAfrica News"
[2]: https://medium.com/@oussama.zaghdoud/orange-money-west-africas-digital-payment-champion-60690ab6f22b "Orange Money: West Africa's Digital Payment Champion — Medium"
[3]: https://www.orange.com/en/press-release/orange-money-group-and-visa-announce-a-strategic-partnership-to-accelerate-online-payments-in-africa-414987 "Orange Money Group and Visa Announce a Strategic Partnership to Accelerate Online Payments in Africa — Orange"
[fr-cro]: https://docs.barcoder.ai/docs/payments/FR

- [1] [Orange Q3 2025: Africa & Middle East Drive Double-Digit Growth as Orange Surpasses 300 Million Customers Globally — TechAfrica News][1]
- [2] [Orange Money: West Africa's Digital Payment Champion — Medium][2]
- [3] [Orange Money Group and Visa Announce a Strategic Partnership to Accelerate Online Payments in Africa — Orange][3]
- <sup>[France report](https://docs.barcoder.ai/docs/payments/FR)</sup> In-corpus: `reports/countries/FR-france.md`

## Source

Biography extracted from [orange-money.md](https://docs.barcoder.ai/source/wallets/orange-money). See `matrix.md` for standards-support matrix if present.