Payment methods in Egypt

ValU is Egypt's leading BNPL platform and an EFG Hermes subsidiary, offering licensed digital installment payments at online checkouts including noon and major retailers. Operator: Valu (subsidiary of EFG Holding). Est. users: 4 million+ transactions, ~25% MENA consumer-finance share (2024).

Fawry is Egypt's leading consumer e-payment network, enabling shoppers to pay online via the myFawry app or in cash at 166,500+ acceptance points nationwide. Operator: Fawry for Banking Technology and Electronic Payments. Est. users: 24 million+ users (2024).

InstaPay is Egypt's instant payment app on the Instant Payment Network, enabling real-time transfers between banks, cards and wallets 24/7 and increasingly used for online payments. Operator: Egyptian Banks Company (EBC) / Central Bank of Egypt. Est. users: 16 million+ users (2026).

MNT-Halan is an Egyptian financial super-app offering BNPL, microloans, wallet and bill-payment services to millions of customers, with in-app and online checkout payments. Est. users: 4 million+ customers, 1 million MAU (2024).

Meeza is Egypt's national prepaid/debit card scheme operated by EBC under the Central Bank of Egypt, available to any national-ID holder and accepted at online checkouts. Operator: Egyptian Banks Company (EBC). Est. users: 43.5 million+ cards issued (June 2025).

Vodafone Cash is Egypt's largest mobile-money wallet, letting users pay online on Egyptian and international websites with their phone number, transfer money and pay bills. Operator: Vodafone Egypt. Est. users: 10 million+ users (2024, best estimate).

Mobile wallets used by millions of Egyptians; Vodafone Cash alone has 8.2M users and 62.7% market share

The single most-used payment method, with approximately 45-47% of e-commerce orders still settling in cash at delivery. Consumer distrust of online payments remains the primary driver. Most major Serbian logistics providers (Post of Serbia, DExpress, etc.) offer COD collection.

Cash on Delivery (COD) is the dominant payment method for Algerian e-commerce, reflecting low consumer trust in online payment systems and limited access to cards or digital wallets. Customers pay the delivery agent in cash when goods arrive. Nearly all Algerian e-commerce platforms offer COD as their primary or only payment option. The widespread reliance on COD is both a symptom of underdeveloped payment infrastructure and a barrier to merchant cash flow, as returned goods result in no payment.