Payments/NE
Niger
ISO NE · 3 schemes
Summary
- Orange Money QR payments active
- GIM-UEMOA regional integration
- 9% mobile money (low adoption)
- WAEMU zone CFA franc member
- Mastercard partnership 2024
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 Niger | Pan-African | Ecobank Mobile |
| 2 | Bank of Africa Niger | Regional | BOA Mobile |
| 3 | Banque Atlantique | Regional | Atlantic App |
| 4 | Sonibank | Local | Sonibank Mobile |
| 5 | BIA Niger | Local | BIA App |
Market Structure
- Orange Money: Mobile money leader
- GIM-UEMOA: 150+ institutions
- 9%: Mobile money usage (low)
- WAEMU: Regional integration
Payment infrastructure
National Payment Systems
| System | Operator | Type | Status |
|---|---|---|---|
| Orange Money | Orange Niger | Mobile money | Active |
| GIM-UEMOA | Regional | Interbank switch | Active |
| Airtel Money | Airtel | Mobile money | Active |
| Bank Cards | Various | GIM cards | Active |
GIM-UEMOA in Niger
- Links 150+ financial institutions
- 8 WAEMU member nations
- Banks, microfinance, EMIs
- Central switch for Niger
Low Mobile Money Adoption
- Only 9% usage in Niger
- One of lowest in Sub-Saharan Africa
- Growth potential significant
- Financial inclusion challenge
QR code standards
Orange Money QR
| Attribute | Value |
|---|---|
| Provider | Orange Niger |
| App | Orange Money Africa |
| Feature | Merchant QR/Number |
| Status | Active |
Orange Money QR Features
- Merchant payments via QR
- Merchant number alternative
- No cash needed
- Instant transactions
- Cross-border (WAEMU)
Mastercard Partnership (2024)
- Virtual card issuance
- Physical card optional
- Global merchant access
- Orange Money wallet linked
- Rollout 2025
GIM-UEMOA Technical
- Central switch
- Banks, microfinance linked
- Payment service providers
- Digital payment framework
Mobile payment apps
| App | Provider | QR | Features |
|---|---|---|---|
| Orange Money Africa | Orange | Yes | Multi-country |
| Airtel Money | Airtel | Limited | Mobile money |
| Bank Apps | Various | Limited | GIM cards |
Orange Money Features
- Send/receive money
- Merchant QR payments
- Bill payments
- Airtime purchase
- Cross-border transfers
- WAEMU connectivity
Regional Integration
- 8 WAEMU countries connected
- CFA franc unified
- Cross-border payments
- Regional commerce
Schemes
| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| Orange Money QR | Mobile QR | App | Active | orange-money-qr |
| GIM-UEMOA | Interbank | Switch | 150+ | — |
| Mastercard | Virtual | Card | 2024 | — |
Sources
- TransFi - Niger Payment Rails
- Google Play - Orange Money Africa
- GIM-UEMOA Official
- Mastercard - Orange Partnership
- Wikipedia - Orange Money
- Nuvei - Orange Money
- Wise - Orange Money Guide
- dzcard - GIM Certification
Full country report
Schemes
Standards
Primary · 1