Payment methods in Chad

Africa

3methods

1bank

Chad licensed Konoom in 2025, its first fully domestic mobile money company — a significant milestone.

Market takeaways

Chad licensed Konoom in 2025, its first fully domestic mobile money company — a significant milestone.
Mobile penetration approaches 80%, but most usage is for voice calls rather than data/financial services.
Airtel Money provides mobile financial services; Orange Money also operates in Chad.
The Ministry of Finance has pioneered direct integration with mobile money platforms for tax collection.
Cash dominates virtually all economic activity outside the capital N'Djamena.

Population

~18M

Online population

~4M

Banked population

~15%

Mobile Money Penetration

~20% of adults

Credit card population

~1%

Payment method breakdown

Cash75%
Mobile Money18%
Bank Transfer5%
Card2%
Other0%

Card scheme breakdown

Visa55%
Mastercard40%
Local Schemes5%
Other0%

Cross-border e-commerce

Market data coming soon.

Featured payment methods in Chad

Popular options based on coverage and prominence in this market.

Konoom

Konoom became Chad's first fully local mobile money company when it received its licence in 2025. It represents an important step in developing a domestically owned mobile financial services sector in Chad.

Orange Money Chad

Orange Money provides mobile financial services to Orange subscribers in Chad, with services similar to Airtel Money. Orange is one of Chad's major telecom operators with a nationwide network.

Airtel Money Chad

Airtel Money is one of Chad's primary mobile money services, providing P2P transfers, airtime top-up, and bill payments. It serves both urban consumers in N'Djamena and some rural areas within Airtel's network coverage.