Payment methods in Democratic Republic of Congo (DRC)

Visa is the world's largest card network, enabling credit, debit and prepaid card payments online, in-store and at ATMs across virtually every market. In the listed countries Visa is a core internationally accepted scheme alongside local methods.

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.

M-Pesa is Kenya's transformative mobile money service, launched by Safaricom in 2007. It enables users to send money, pay bills, buy goods, and access financial services via a basic mobile phone — no smartphone or bank account required. With over 30 million active users and 93% market share in Kenyan mobile money, M-Pesa is the default payment method for a large portion of the population and is deeply integrated into e-commerce via the Daraja API and third-party gateways like Flutterwave and Pesapal.

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 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).

Launched in September 2025, Visa Pay is a cloud-native payment platform allowing consumers to fund a digital wallet from M-Pesa, Airtel Money, or Orange Money and use it for online purchases and card-based transactions. It represents a major step in bridging mobile money with formal card payment networks.