Payment methods in Democratic Republic of Congo (DRC)

Africa

4methods

6banks

~85% of the population remains unbanked; cash and USD dominate the economy.

Market takeaways

~85% of the population remains unbanked; cash and USD dominate the economy.
M-Pesa, Airtel Money, and Orange Money are the three primary mobile money platforms.
Visa Pay launched in DRC in September 2025, enabling mobile money wallet funding and digital payments.
The Payment Service Provider ecosystem is nascent and fragmented, with limited international PSP presence.
Congo's vast size and poor infrastructure make agent-based mobile money expansion challenging but critical.

Population

~105M

Online population

~25M

Banked population

~15%

Mobile Money Penetration

~20% of adults

Credit card population

~1%

Payment method breakdown

Cash70%
Mobile Money22%
Bank Transfer5%
Card2%
Other1%

Card scheme breakdown

Visa55%
Mastercard40%
Local Schemes5%
Other0%

Cross-border e-commerce

Market data coming soon.

Featured payment methods in Democratic Republic of Congo (DRC)

Popular options based on coverage and prominence in this market.

Airtel Money DRC

Airtel Money provides mobile financial services to Airtel telecom subscribers in the DRC. It offers P2P transfers, merchant payments, and bill payments, and has integrated with Visa Pay via Onafriq.

M-Pesa DRC

M-Pesa is one of the DRC's leading mobile money services, offering P2P transfers, merchant payments, and bill payments. It operates primarily in urban centres like Kinshasa and Lubumbashi, with an expanding agent network.

Orange Money DRC

Orange Money provides mobile money services in areas of the DRC with Orange network coverage, offering transfers, bill payments, and airtime top-up.

Visa Pay DRC

Launched in September 2025, Visa Pay is a cloud-native payment platform allowing consumers to fund a digital wallet from M-Pesa, Airtel Money, or Orange Money and use it for online purchases and card-based transactions. It represents a major step in bridging mobile money with formal card payment networks.

All payment methods in Democratic Republic of Congo (DRC)

Discover 4 payment methods from around the world

Showing 4 of 4 payment methods

Featured banks in Democratic Republic of Congo (DRC)

Major institutions operating in this market.

Access Bank Nigeria

Lagos, Nigeria

Access Bank is Nigeria's largest bank by customer base, following its merger with Diamond Bank, offering retail, SME, and corporate banking across Africa.

Equity Bank Kenya

Nairobi, Kenya

Equity Bank is Kenya's largest bank by customer base (over 20 million), offering retail, SME, and corporate banking with operations across East Africa.