Payments/TN
Tunisia
ISO TN · 3 schemes
Summary
- D17 first mobile payment (Masterpass QR certified)
- e-Dinar 1M+ cardholders foundation
- 11,000+ merchants accepting D17 QR
- PAPSS first North African member (Feb 2024)
- $8.8B electronic transactions (2024)
Banking landscape
Central Bank
- Name: Banque Centrale de Tunisie (BCT)
- Website: https://www.bct.gov.tn/
- Role: Monetary policy, payment systems oversight
Major Banks (2024)
| Rank | Bank Name | Type | Digital Platform |
|---|---|---|---|
| 1 | STB (Société Tunisienne de Banque) | State | STB Mobile |
| 2 | BNA (Banque Nationale Agricole) | State | BNA App |
| 3 | BIAT | Private | BIAT Mobile |
| 4 | Attijari Bank | Regional | Attijari App |
| 5 | Amen Bank | Private | Amen Mobile |
Market Structure
- La Poste Tunisienne: D17 operator
- e-Dinar: 1M+ cardholders
- 1,000+ post offices: Cash-in/out
- 300+ ATMs: Cash withdrawals
Payment infrastructure
National Payment Systems
| System | Operator | Type | Status |
|---|---|---|---|
| D17 | La Poste Tunisienne | Mobile payment | Active |
| Elyssa-RTGS | BCT | Real-time gross | Active |
| PAPSS | Afreximbank | Cross-border | Feb 2024 |
| SIBTEL | Tunisia | Card switch | Active |
D17 Platform
- First mobile payment in Tunisia
- Masterpass QR certified
- 300,000+ active users
- 4+ years of operation
Electronic Transaction Growth (2024)
- 27.9 billion dinars ($8.8B)
- 10.6% growth YoY
- 163 million transactions
- 9.4% volume increase
QR code standards
D17 QR (Masterpass Certified)
| Attribute | Value |
|---|---|
| Operator | La Poste Tunisienne |
| Certification | Masterpass QR |
| Merchants | 11,000+ |
| Coverage | Nationwide |
D17 QR Features
- Mastercard certified Masterpass QR
- Robust and secure transactions
- Standardized payment process
- Merchant payment network
- Bill payment integration
e-Dinar Foundation
- Virtual account (Smart, DIGICARD, Young, PRO)
- Reload by national bank card
- Pay micro credit installments
- Issue money orders
- Send/receive between accounts
- Pay utilities (STEG, Sonède)
Mobile payment apps
| App | Provider | QR | Features |
|---|---|---|---|
| D17 | La Poste | Yes | Masterpass QR |
| Bank Apps | Various | Limited | Banking |
D17 App Features
- Account management
- Mobile money transfer
- Bill payments (STEG, Sonède)
- Merchant QR payments
- Money order issuance
- Micro credit installments
- 300,000+ active users
User Base
- Mostly students and youth
- Promoting digital payments
- Growing adoption
- Financial inclusion focus
Schemes
| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| D17 QR | Mobile QR | Masterpass | 11K+ merchants | d17-qr |
| e-Dinar | Card-based | La Poste | 1M+ | e-dinar |
| PAPSS | Cross-border | Regional | Feb 2024 | papss |
Sources
- D17 Official
- Google Play - D17
- App Store - D17
- ITU - D17 Mobile Payment
- GTR - PAPSS Tunisia
- We Are Tech - Tunisia 2024
Full country report
Schemes
Standards
Primary · 2