What does it take to get a payment processing licence in DR Congo?
To hold a payment processing licence in DR Congo, you need the Agrégateur (prestataire de services connexes de paiement) licence from Banque Centrale du Congo. Published timeline: The Banque Centrale decides within soixante (60) jours of receiving the complete dossier. 39 entities currently hold a payment processing licence in DR Congo. Full requirements — minimum capital, local presence, timeline, local ownership, fees and ongoing obligations — are set out below in each instrument's own words, with source and date; amounts are in the statute's own currency.
“Payment processing” here is the normalized activity: Provide payment processing / payment solution services without holding customer funds. Providers in this category cannot keep customers' money.
Activity id (as used by the Afriset MCP): fintech:PAYMENT_PROCESSING
Agrégateur (prestataire de services connexes de paiement)
Banque Centrale du Congo| Requirement | As published | Source | Source date |
|---|---|---|---|
| Minimum capital | No such requirement: A payment aggregator holds an autorisation (not a capital-based agrément); Instruction n° 42 fixes no minimum capital for a prestataire de services connexes. | Instruction n° 42 relative aux règles applicables à la monétique en RDC (the connexes/aggregator authorization frame) | 2020-03-09 |
| Local presence / incorporation | The demande d'autorisation is filed in the French language with the Banque Centrale's payment-systems supervision Direction; the connexe provider must be a constituted establishment (statuts filed in the agrément dossier). Verbatim“La demande d'agrément ou d'autorisation, en langue française, est introduite à la Banque Centrale/Direction ayant la surveillance des systèmes de paiement dans ses attributions.” | Instruction n° 42 relative aux règles applicables à la monétique en RDC (the connexes/aggregator authorization frame) | 2020-03-09 |
| Timeline | The Banque Centrale decides within soixante (60) jours of receiving the complete dossier. Verbatim“La Banque Centrale rend sa décision dans un délai de soixante jours à compter de la réception du dossier complet.” | Instruction n° 42 relative aux règles applicables à la monétique en RDC (the connexes/aggregator authorization frame) | 2020-03-09 |
| Local ownership | No such requirement: Instruction n° 42 sets no local-ownership or nationality percentage requirement for a connexe provider. | Instruction n° 42 relative aux règles applicables à la monétique en RDC (the connexes/aggregator authorization frame) | 2020-03-09 |
| Fees | No such requirement: No application/authorization fee schedule is fixed in Instruction n° 42. | Instruction n° 42 relative aux règles applicables à la monétique en RDC (the connexes/aggregator authorization frame) | 2020-03-09 |
| Ongoing obligations | Not officially published: Security/technical compliance obligations apply (PCI-DSS and card-scheme/EMV standards for monétique participants), but no single quantitative ongoing-obligation figure is fixed for an aggregator. | Instruction n° 42 relative aux règles applicables à la monétique en RDC (the connexes/aggregator authorization frame) | 2020-03-09 |
Requirements as published in the cited instruments — not legal or compliance advice. Capital and fees are shown in the currency the statute itself uses. Where a value is located but not yet verified, we show that it exists but don't publish the figure. Verify directly with the regulator.
Maintained: this official source is re-checked on a weekly schedule — last checked 2026-08-04 · unchanged since the previous check.
Who already holds this licence?
39 entities are on the Banque Centrale du Congo register under the Agrégateur (prestataire de services connexes de paiement) category — view the register .
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