Payment methods in São Tomé and Príncipe

Generic online and mobile bank-transfer methods (internet banking, e-banking, EFT and interbank transfers). Customers pay directly from their bank account via their bank's own online/mobile banking portal. Implementation and rails differ by country, but the consumer flow is a standard account-to-account bank transfer.

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.

Mastercard is a leading global card network supporting credit, debit and prepaid card payments online, in-store and at ATMs worldwide. In the listed countries it is a core internationally accepted scheme.

E-Kwanza is a mobile money service offered through Unitel's operations in São Tomé and Príncipe, leveraging the same platform deployed by Unitel in Angola. It provides basic mobile wallet functionality including P2P transfers, airtime top-up, and bill payments. Given the country's low banking infrastructure density, E-Kwanza serves as an important alternative financial access point, particularly in areas without bank branches.

meu tudo is a mobile banking and digital wallet application serving São Tomé and Príncipe. It provides account management, transfers, and payments through a smartphone interface, targeting the growing urban population with smartphone access. It represents the country's nascent fintech ecosystem and is one of the few locally-developed digital financial services.