Payments/GW
Guinea-Bissau
ISO GW · 3 schemes
Summary
- Orange Money + Mastercard partnership (Oct 2024)
- 13.4 billion FCFA network investment
- Max it Scan and Pay feature
- Virtual/physical cards wallet linked
- WAEMU zone regional integration
Banking landscape
Central Bank
- Name: BCEAO (Central Bank of West African States)
- Website: https://www.bceao.int/
- Role: Regional monetary policy (WAEMU zone)
Major Banks (2024)
| Rank | Bank Name | Type | Digital Platform |
|---|---|---|---|
| 1 | Ecobank Guinea-Bissau | Pan-African | Ecobank Mobile |
| 2 | Banco da África Ocidental | Regional | BAO Mobile |
| 3 | Orabank Guinea-Bissau | Regional | Orabank App |
| 4 | BSIC | International | BSIC Mobile |
Market Structure
- Orange Bissau: Telecom leader
- WAEMU zone: Regional integration
- Mobile money: Growing sector
- 13.4B FCFA: Network investment
Payment infrastructure
National Payment Systems
| System | Operator | Type | Status |
|---|---|---|---|
| Orange Money | Orange | Mobile money | Active |
| GIM-UEMOA | BCEAO | Card network | Active |
| Bank Transfers | Banks | RTGS | Active |
Orange Investment (2024)
- 13.4 billion FCFA
- Network modernization
- 3G+/4G upgrade
- 1,000+ new villages
- Orange Money enhancement
Mastercard Partnership
- October 2024 announcement
- 7 countries including GB
- Virtual/physical cards
- Wallet-linked debit
QR code standards
Orange Money Scan and Pay
| Attribute | Value |
|---|---|
| Provider | Orange Bissau |
| App | Max it |
| Feature | Scan and Pay |
| Launch | 2024 |
Max it Features
- Scan and Pay QR
- Instant transactions
- Simplified history
- Balance checks
- Orange offers
Mastercard Integration
- Virtual debit cards
- Physical card option
- Global merchant access
- Wallet-linked payments
Mobile payment apps
| App | Provider | QR | Features |
|---|---|---|---|
| Orange Max it | Orange | Yes | Scan and Pay |
| Orange Money | Orange | Yes | Full wallet |
| Orange Money Europe | Orange | Transfer | Remittances |
Orange Max it Guinea-Bissau
- All-in-one app
- Orange services
- Orange Money integration
- Online store
- Scan and Pay QR
- Transaction history
Orange Money Europe
- Remittance app
- Europe to Guinea-Bissau
- 9 European countries
- Fast and secure
- Mobile wallet delivery
Web Payment API
- Merchant integration
- E-commerce support
- Developer access
- Multi-country
Schemes
| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| Orange Money QR | Scan and Pay | Max it | 2024 | orange-money-qr |
| Mastercard | Card | Virtual/Physical | Oct 2024 | — |
| GIM-UEMOA | Card | Regional | Active | — |
Sources
- Orange Newsroom - Network Modernization
- Orange Newsroom - Mastercard Partnership
- Mastercard - Orange Partnership
- Orange Developer - Web Payment API
- Orange Max it GB - Chrome Stats
- Xe Help - Orange Wallet
- Orange Money Europe - App Store
- Wikipedia - Orange Money