Payment methods in Tunisia

Africa

5methods

3banks

La Poste Tunisienne is a dominant force in digital payments through both the e-Dinar system and the D17 mobile app.

Market takeaways

La Poste Tunisienne is a dominant force in digital payments through both the e-Dinar system and the D17 mobile app.
SMT (Société Monétique de Tunisie) operates the national interbank card network, and domestic cards are widely used for local transactions.
Mobile wallets such as Orange Money and MobiCash are growing, particularly for P2P transfers and bill payments.
Tunisia has a relatively high internet penetration and tech-literate population by North African standards, supporting e-commerce growth.
Cash remains important but the shift toward digital is more advanced than in Algeria or Libya.

Population

~12M

Online population

~8M

Banked population

~37%

Credit card population

~10%

Payment method breakdown

Cash60%
E-Wallet / Mobile Payment20%
Card15%
Bank Transfer4%
Other1%

Card scheme breakdown

Local Schemes (SMT)45%
Visa35%
Mastercard18%
American Express2%
Other0%

Cross-border e-commerce

Market data coming soon.

Featured payment methods in Tunisia

Popular options based on coverage and prominence in this market.

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).

D17

D17 is the Tunisian Post's mobile payment app for e-Dinar accounts, enabling online payments, transfers, bill payment and Mastercard merchant purchases. Operator: La Poste Tunisienne (DigiPostBank). Est. users: Tunisian Post e-Dinar account holders (2024, best estimate).

JumiaPay

JumiaPay is the embedded wallet and checkout solution for the Jumia marketplace and bill payments across several African markets. Operator: Jumia Technologies AG. Est. users: ~5.4M Jumia active customers (2024).

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).

e-Dinar (La Poste)

e-Dinar is the electronic payment system operated by La Poste Tunisienne, representing an electronic form of the Tunisian Dinar held in postal savings accounts. Users can load their e-Dinar accounts at post office branches and use the balance to pay for public services, online purchases, and utility bills. e-Dinar accounts are accessible to a broad segment of the population including those without bank accounts, making it a key financial inclusion tool. It underpins the D17 mobile app and has been integrated with a growing number of government and e-commerce payment portals.