IllicocashMobile wallet backed by a bank rather than a telecom operator: transfers to a mobile number, cardless ATM withdrawals, bill payments, and top-ups by Visa or Mastercard. Rawbank has connected it to inbound and outbound international transfers through Thunes, a rare bank bridge between Congolese mobile money and remittance corridors.Rawbank SA (the largest commercial bank in the Democratic Republic of the Congo)
Global registry · Africa & Middle East · Central Africa
Congo - Kinshasa Payment systems
3 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
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Payments in East AfricaPayments in Portuguese-speaking and southern AfricaMobile money in AfricaPayments in West and Southern AfricaPayments in the CEMAC zonePayments in the Gulf and the Middle EastAccepting payments in AfricaAccepting payments in Egypt and the MaghrebAccepting payments in the GulfCollecting payments in Kenya and East AfricaCollecting payments in Nigeria and West AfricaPayments in Africa: the continent that reinvented mobile money
Wallets
Mobile money
M-Pesa (DRC)The leading mobile wallet in the Democratic Republic of the Congo, run by an e-money subsidiary kept separate from the telecom operator, a structure the BCC requires and that its competitors also follow. In a country with very low bank account ownership, it carries a large share of formal retail payments.Vodacash SA (wholly owned subsidiary of Vodacom Congo, licensed as an e-money institution by the Banque Centrale du Congo (the central bank)) · since 2012
Acquiring and processing
Switch National Monétique (DRC)AnnouncedPlanned national switch to make Congolese banks, e-money institutions, and mobile operators interoperable, announced at a Council of Ministers meeting in May 2025 but not yet live. One to watch: it is the missing piece in a market where every wallet is still a silo.Banque Centrale du Congo (governed by BCC Instruction No. 58 on payment system interoperability, published on September 4, 2024)