Sources: BEAC and operator disclosures, 2024–2025.
How Chad pays
Chad is a cash economy, with low bank account and card ownership. Airtel Money and Moov Money are the main digital ways to pay and send funds, and cards are used mostly by businesses, organizations and urban buyers in N'Djamena.
Chad shares the euro-pegged Central African CFA franc with the other CEMAC states, under the BEAC as regional central bank. Much online spending linked to the country is made with cards issued abroad. For a merchant, the value is a clear starting point: international cards and express wallets behind one integration, 3DS on card-not-present payments, and retries across acquirers, with FX handled for you.
Why merchants run on us here
Cards and wallets live today
International card acquiring and the express wallets, available now.
How Chad pays
Cash, with Airtel Money and Moov Money as the main digital options.
Buyers paying from abroad
Organizations and the diaspora pay with foreign-issued cards, so routing by card origin matters.
Franc settlement and FX
Predictable XAF settlement against the euro peg, with FX handled for you.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalMobile money
Airtel MoneyExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLAirtelPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Chad
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Chad like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Chad today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Central African CFA franc (XAF) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Chad?
Talk to our payments team about going live in Chad — coverage, local acquiring, settlement and timelines for your business.