Payment methods in Chad

Africa

4methods

1bank

Chad licensed Konoom in 2025, its first fully domestic mobile money company — a significant milestone.

Market takeaways

Chad licensed Konoom in 2025, its first fully domestic mobile money company — a significant milestone.
Mobile penetration approaches 80%, but most usage is for voice calls rather than data/financial services.
Airtel Money provides mobile financial services; Orange Money also operates in Chad.
The Ministry of Finance has pioneered direct integration with mobile money platforms for tax collection.
Cash dominates virtually all economic activity outside the capital N'Djamena.

Population

~18M

Online population

~4M

Banked population

~15%

Mobile Money Penetration

~20% of adults

Credit card population

~1%

Payment method breakdown

Cash75%
Mobile Money18%
Bank Transfer5%
Card2%
Other0%

Card scheme breakdown

Visa55%
Mastercard40%
Local Schemes5%
Other0%

Cross-border e-commerce

Market data coming soon.

Featured payment methods in Chad

Popular options based on coverage and prominence in this market.

Airtel Money

Airtel Money is Kenya's second-largest mobile money provider, holding approximately 6.6% market share as of 2024 (up from 2.8%). It operates similarly to M-Pesa and enables money transfers, bill payments, and merchant payments via USSD and the Airtel Money app.

Konoom

Konoom became Chad's first fully local mobile money company when it received its licence in 2025. It represents an important step in developing a domestically owned mobile financial services sector in Chad.

e& money

e& money is the first digital wallet licensed by the Central Bank of the UAE, offered by e& life, supporting online payments, money transfers and bill payment. Operator: e& life (formerly Etisalat). Est. users: Large user base, telecom-backed (2024, best estimate).

Orange Money

Orange Money is Orange Jordan's mobile wallet connected to CliQ under Central Bank of Jordan supervision, enabling online payments, transfers and bill payment. Est. users: Large telecom-backed user base (2024, best estimate).