Payments/FJ
Fiji
ISO FJ · 3 schemes
Summary
- M-PAiSA QR first in Fiji (Vodafone)
- 500K+ users registered
- 4,000+ merchants QR enabled
- NPS connected October 2024
- FRCS tax payments via QR
Banking landscape
Central Bank
- Name: Reserve Bank of Fiji (RBF)
- Website: https://www.rbf.gov.fj/
- Role: Monetary policy, payment oversight
Major Banks (2024)
| Rank | Bank Name | Type | Digital Platform |
|---|---|---|---|
| 1 | ANZ Fiji | International | ANZ App |
| 2 | Westpac Fiji | International | Westpac App |
| 3 | BSP | Regional | BSP App |
| 4 | HFC Bank | Local | HFC Mobile |
| 5 | Bred Bank | French | Bred App |
Market Structure
- M-PAiSA: Dominant mobile money
- Vodafone Fiji: Telecom-led innovation
- NPS: National Payment System
- Mastercard: Debit card partner
Payment infrastructure
National Payment Systems
| System | Operator | Type | Status |
|---|---|---|---|
| NPS | RBF | National switch | Active |
| M-PAiSA | Vodafone | Mobile money | 500K+ |
| FIJICLEAR | RBF | RTGS | Active |
| Card networks | Visa/MC | Cards | Active |
M-PAiSA Platform
- Vodafone Fiji operated
- First QR in Fiji
- 500,000+ registered users
- 4,000+ business outlets
- Zero-rated data
NPS Integration (Oct 2024)
- M-PAiSA connected to NPS
- Bank-to-mobile transfers
- Mobile-to-bank transfers
- Cross-platform payments
QR code standards
M-PAiSA QR
| Attribute | Value |
|---|---|
| Provider | Vodafone Fiji |
| Feature | Scan to Pay |
| Merchants | 4,000+ |
| Cost | Free for users |
QR Payment Features
- First in Fiji
- Unique merchant QR codes
- Scan at cashier counters
- App-based payment
- Zero data charges
Government QR (2025)
- FRCS integration
- Tax payments via QR
- Duty/VAT payments
- All branches enabled
- Container freight stations
Mobile payment apps
| App | Provider | QR | Features |
|---|---|---|---|
| M-PAiSA | Vodafone | Yes | Full wallet |
| Bank Apps | Various | Limited | Banking |
M-PAiSA Features
- P2P transfers
- Utility payments
- Bill settlements
- Merchant QR pay
- International transfers
Mastercard Debit
- First non-bank Pacific issuer
- Card + mobile integration
- ATM withdrawals
- Online shopping
- International use
Schemes
| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| M-PAiSA QR | Mobile | Vodafone | 500K+ users | m-paisa-qr |
| NPS | National switch | RBF | Oct 2024 | — |
| Mastercard | Debit | Card | Active | — |
Sources
- Vodafone Fiji - M-PAiSA QR
- Vodafone Fiji - NPS
- FRCS - M-PAiSA MOA
- Technology Magazine - Vodafone Fiji