Payments/DJ
Djibouti
ISO DJ · 3 schemes
Summary
- D-Money national mobile money (Djibouti Telecom)
- QR code payments added March 2023
- CACPay bank QR solution
- Central Bank partnership
- IIB Bank interconnection
Banking landscape
Central Bank
- Name: Banque Centrale de Djibouti (BCD)
- Website: https://www.banque-centrale.dj/
- Role: Monetary policy, D-Money partnership
Major Banks (2024)
| Rank | Bank Name | Type | Digital Platform |
|---|---|---|---|
| 1 | CAC International Bank | Commercial | CACPay/MyCAC |
| 2 | IIB Bank | Commercial | IIB Mobile |
| 3 | Bank of Africa | Pan-African | BOA Mobile |
| 4 | Saba Islamic Bank | Islamic | Saba App |
| 5 | Salaam African Bank | Islamic | Salaam Mobile |
Market Structure
- D-Money: National mobile money
- Djibouti Telecom: D-Money operator
- BCD partnership: Regulatory support
- Bank QR: CACPay solution
Payment infrastructure
National Payment Systems
| System | Operator | Type | Status |
|---|---|---|---|
| D-Money | Djibouti Telecom | Mobile money | Active |
| CACPay | CAC Bank | QR payments | Active |
| Bank Transfers | Banks | RTGS | Active |
D-Money Network
- Djibouti Telecom customers
- No bank account required
- Agent network
- National coverage
IIB Bank Interconnection
- D-Money bank link
- Wallet-bank transfers
- Interoperability
- Enhanced services
QR code standards
D-Money QR
| Attribute | Value |
|---|---|
| Operator | Djibouti Telecom |
| Launch | March 2023 |
| App | D-Money |
| Feature | Merchant payment |
D-Money QR Features
- Merchant payment with QR
- Easy scanning
- Instant settlement
- Mobile integration
CACPay QR
| Attribute | Value |
|---|---|
| Operator | CAC International Bank |
| App | MyCAC |
| Type | Contactless QR |
| Feature | Secure payment |
CACPay Features
- QR-based payment
- MyCAC app integration
- Secure contactless
- Merchant and customer use
Mobile payment apps
| App | Provider | QR | Features |
|---|---|---|---|
| D-Money | Djibouti Telecom | Yes | Full wallet |
| MyCAC | CAC Bank | Yes | CACPay QR |
| IIB Mobile | IIB Bank | Limited | Banking |
D-Money App
- Deposit and withdrawal (Cash-in/Cash-out)
- P2P money transfers
- Mobile credit purchase
- Bill payment
- Merchant payment (QR)
- Salary disbursement
D-Money Access
- USSD: *111#
- Mobile app (iOS/Android)
- Any Djibouti Telecom SIM
- No bank account needed
MyCAC App
- CACPay QR payments
- Contactless experience
- Merchant acceptance
- Secure transactions
Schemes
| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| D-Money QR | Mobile QR | App | National | d-money-qr |
| CACPay | Bank QR | MyCAC | Active | — |
| USSD *111# | Mobile money | USSD | Universal | — |
Sources
- D-Money Official
- D-Money Home
- D-Money Info
- CAC International Bank
- D-Money - App Store
- AppBrain - D-Money
- ThePaypers - eServGlobal
- MoneyMatrix - Djibouti
Full country report
Schemes
Standards
Primary · 1
Mentioned · 1