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Fintech & payments regulation in Chad (2026)

Fintech and digital payments in Chad: licensing regime.

As a CEMAC member, Chad applies a uniform, in-force regional licensing regime for payment institutions and electronic money rather than a separate national law. Regulation 04/18 and its COBAC implementing texts require any payment-service or e-money provider to be authorised before operating, with BEAC/COBAC issuing licences; Chad already hosts licensed providers such as Mobile Commerce Tchad S.A. Regional interoperability runs through GIMAC/GIMACPAY, while there is no dedicated open-banking mandate or specific BNPL regulation.

Last verified Official sources first · MethodologyCompare Chad with other countries

Legal framework

Regional CEMAC framework: Regulation No. 04/18/CEMAC/UMAC/COBAC (21 Dec 2018) on payment services, plus COBAC Regulations R-2019/01 (licensing) and R-2019/02 (prudential standards). Supervised by the Bank of Central African States (BEAC) as monetary authority and the Central African Banking Commission (COBAC) as prudential supervisor. Chad applies this directly as a CEMAC member state.

Key points: digital payments & fintech in Chad

  1. Regulator & regime type

    Payment, e-money and microfinance activities are supervised by BEAC (monetary authority granting agrément) and COBAC (banking commission overseeing prudential compliance). The regime is regional and applies uniformly across CEMAC, including Chad.

    beac.int mfw4a.org

  2. Core payments law (04/18)

    Regulation No. 04/18/CEMAC/UMAC/COBAC of 21 December 2018 governs payment services across CEMAC, repealing the earlier 2011 e-money regulation and articles 194-195 of Regulation 03/16. It covers payment instruments including cheques, transfers, direct debits, cards and electronic money (mobile money).

    beac.int cesttoutdroit.com

  3. Licensing & capital requirements

    Payment institutions (établissements de paiement) must be joint-stock companies with a board and a minimum paid-in capital of XAF 500 million. Applications go to the monetary authority with a copy to COBAC, which checks prudential capacity before BEAC rules on the technical solution within three months. COBAC R-2019/01 and R-2019/02 set the licensing and prudential standards.

    beac.int beac.int

  4. Licensed providers in Chad

    BEAC's 2022 payment-services report records licensed payment establishments operating regionally, including Mobile Commerce Tchad S.A.; mobile-money services in Chad have been offered via bank/operator partnerships (e.g., Airtel and Tigo/Moov).

    beac.int mfw4a.org

  5. Instant-payment rails & interoperability

    The regional switch GIMAC (99.2% owned by BEAC) operates the GIMACPAY interoperability platform (launched 2020), connecting tens of millions of e-wallets and bank accounts for national and cross-border transfers across CEMAC, including Chad. BEAC also introduced a revocation right for erroneous mobile-money transfers from March 2024.

    gimac-afr.com droitmediasfinance.com

  6. Open banking & BNPL gaps

    There is no dedicated open-banking framework or specific Buy-Now-Pay-Later regulation in CEMAC/Chad; such activity would fall under general payment-services, credit and consumer-protection rules. BEAC has flagged emerging issues (crypto-asset purchases via e-money, fintech consumer protection) but these remain under review rather than codified.

    droitmediasfinance.com beac.int

Sources

  1. beac.int/wp-content/uploads/2019/07/REGLEMENT-N-04-18-CEMAC-UMAC-COBAC-du-21-d
  2. beac.int/systemes-paiement/instructions-circulaires-reglements/
  3. beac.int/wp-content/uploads/2025/02/Reglemnt-N%C2%B0-01-Portant-agrement-uniqu
  4. beac.int/wp-content/uploads/2023/11/Rapport-Etat-des-services-de-paiement-2022
  5. mfw4a.org/country/chad
  6. gimac-afr.com/en/
  7. cesttoutdroit.com/article-droit-bancaire-et-financier/nouveau-reglement-cemac-relatif-a
  8. droitmediasfinance.com/index.php/actualites/droit-tech-fintech/679-cemac-un-droit-de-revocat
  9. droitmediasfinance.com/index.php/actualites/droit-tech-fintech/661-cemac-la-beac-evoque-lach

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Orientation, not legal advice: verify against the primary sources linked above. Last verified 25 May 2026. Methodology & how to cite · State of Technology Regulation 2026