Standards/vinti4
Vinti4
Overview
Vinti4 is Cape Verde's national electronic-payment network + card scheme, managed by SISP (Sociedade Interbancária e Sistemas de Pagamentos, SA) — Cape Verde's interbank-payments-systems company established 2000 [1, 2, [cv-cro]]. SISP manages Vinti4 ATM + POS network + cards + e-commerce + QR code payments + provides services for banking systems for national and international payments, debit card issuance and management, and electronic payment + information data transfer. Vinti4 cards are accepted across 10,418+ Cape Verdean POS terminals + 210+ countries internationally.
The structural significance: Vinti4 is one of Africa's most-developed national-card schemes for a small island nation — Cape Verde's 550K population + small island geography make Vinti4's modern payment infrastructure remarkable. SISP's founding 2000 + Vinti4 build-out + QR-payment extension illustrates Cape Verdean payment-system maturity comparable to much larger markets. Vinti4 QR Code payments add mobile-phone-scan-to-pay to the established card + ATM + POS infrastructure — enabling Cape Verdean merchants to accept QR payments alongside cards. SISP's broader services (Remote Signing Service, international payments, digital-signature) make it a comprehensive national fintech infrastructure provider for Cape Verde. Visa + Mastercard acceptance through SISP's international gateway enables both international card acceptance in Cape Verde + Vinti4 card acceptance abroad in 210+ countries.
History
Background — Cape Verde payment landscape CV:
- Banco de Cabo Verde (BCV) — central bank.
- SISP (Sociedade Interbancária e Sistemas de Pagamentos) — bank-owned national payment infrastructure.
- Major banks: Banco BAI Cabo Verde, Caixa Económica, BCN, BCA.
2000 — SISP founded [1]:
- National payment infrastructure operator.
Vinti4 launch as national card scheme [1]:
- ATM, POS, e-commerce, card issuance.
International acceptance via Visa + Mastercard [2]:
- 210+ countries.
QR Code payments addition [3]:
- Mobile-phone-scan-to-pay.
10,418+ POS terminals [1]:
- Established merchant network.
SISP Remote Signing Service launch [ascertia]:
- Digital-signature service expansion.
Technical specification
Vinti4 is SISP-managed national CV card + ATM + POS + e-commerce + QR-payment scheme [1, 2]:
| Layer | Description |
|---|---|
| Operator | SISP (Sociedade Interbancária e Sistemas de Pagamentos, SA) |
| Founded | 2000 |
| Country | Cape Verde |
| Currency | CVE (Cape Verdean escudo) |
| Card type | Vinti4 national debit card |
| POS terminals | 10,418+ |
| International acceptance | 210+ countries via Visa + Mastercard |
| QR Code payments | Mobile-phone-scan-to-pay extension |
| Companion services | Remote Signing Service, e-commerce, international payments |
Use cases
ATM withdrawals + POS card payments [1]: Cardinal — established card use.
E-commerce checkout via Vinti4 [2]: Online integration.
QR Code mobile-phone payments [3]: Recent extension.
International acceptance abroad (210+ countries) [1]: Via Visa + Mastercard.
Remote Signing Service for digital documents [ascertia]: Digital-signature.
Cross-bank P2P + B2B settlement [1]: National infrastructure.
Implementations & ecosystem
Operator: SISP (bank-owned).
Regulator: Banco de Cabo Verde (BCV).
Major CV bank issuers:
- Banco BAI Cabo Verde.
- Caixa Económica de Cabo Verde.
- BCN.
- BCA.
International partners: Visa + Mastercard.
Digital-signature partner: Ascertia.
Fun facts
- SISP founded 2000: 26-year operational history.
- 10,418+ POS terminals in Cape Verde (population ~550K).
- 210+ countries international acceptance: Via Visa + Mastercard gateway.
- QR Code mobile payments: Recent extension to established card scheme.
- Remote Signing Service: Digital-signature service expansion.
- Bank-owned consortium model: Multi-bank shared infrastructure.
- Small-island-nation modern payment infrastructure: Remarkable maturity for 550K population.
Comparison
| Feature | Vinti4 (CV) | gh-link (GH) | NIBSS NIP (NG) | zimswitch (ZW) | narae-card (KP) |
|---|---|---|---|---|---|
| Operator | SISP (bank-owned consortium) | GhIPSS | NIBSS | ZIMSWITCH | DPRK Foreign Trade Bank |
| Type | National card + ATM + POS + QR + e-commerce | National switch | National switch | National EFT switch | National card |
| Founded | 2000 | 2008 | 2011 | n/a | n/a |
| International | 210+ countries via Visa + Mastercard | Limited | Limited | Limited | DPRK-only |
| POS terminals | 10,418+ | n/a | n/a | n/a | n/a |
Status
Active, mature CV national infrastructure [1, 2]:
- SISP operator since 2000.
- 10,418+ POS terminals.
- 210+ countries international acceptance.
- QR Code mobile payments addition.
Sources
- 1 SISP — official
- 2 Vinti4 — official
- 3 Vinti4 QR Code — SISP
- ascertia SISP Remote Signing Service — Ascertia
- [cv-cro]
reports/countries/CV-cape-verde.md
Deployments
Found in the following country reports (grep across reports/countries/):
- CV — CV-cabo-verde.md