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Agrégateur (prestataire de services connexes de paiement) — DR Congo

The DR Congo category mapped to payment processing.

Regulator: Banque Centrale du Congo.

Banque Centrale du Congo autorisation for a payment aggregator, under Instruction n° 42 relative à la monétique (2020). I-42 art. 1(4) defines « agrégateur : personne morale, prestataire de service technique de paiement qui offre des services de paiements et des solutions aux institutions financières dans le cadre des systèmes de paiement » — a technical payment-processing role that offers payment services/solutions to financial institutions without holding customer float, hence payment processing. Authorization is required under I-42 art. 7/9 (« la Banque Centrale agrée ou autorise … les prestataires de services connexes »); it is an autorisation, not a capital-based agrément, so no capital tier attaches. The published register is « Les Agrégateurs des systèmes de paiement » under the cartographie hub. The other prestataires-connexes classes (card personalization, plastics, monetic-software editors, acquisition-channel providers) are infrastructure-adjacent and are not mapped to a fintech activity (captured, not mapped).

Maintained: this official source is re-checked on a weekly schedule — last checked 2026-08-07 · changed 2026-08-07.

Coverage note: The « Les Agrégateurs des systèmes de paiement » register showed 40 rows; 39 are ingested (one register data-entry duplicate — PRYMO RD CONGO, listed twice with the same enseigne — was skipped per the §A-8 duplicate policy, flagged not silently aliased). Same-name banks with distinct card-scheme brands (ECOBANK, RAW BANK) are kept as printed (report-the-record).

Licensed providers

39 entities

Showing 39 of 39

# Provider Status (as reported) Source Source date
1 ABC PAYMENT NETWORK TECHNOLOG authorized Banque Centrale du Congo not dated
2 ACCESS AFRICA authorized Banque Centrale du Congo not dated
3 AFRILAND BANK (also written SARA MONEY) authorized Banque Centrale du Congo not dated
4 AFRILAND BANK/OKAPI FINANCE (also written SARA) authorized Banque Centrale du Congo not dated
5 AFRIMOMO authorized Banque Centrale du Congo not dated
6 AGIS SA authorized Banque Centrale du Congo not dated
7 ASBL AGROMWINDA authorized Banque Centrale du Congo not dated
8 AVADA GROUP RDC (also written UNIPESA) authorized Banque Centrale du Congo not dated
9 BAOBAB CONSULTING GROUP SAS authorized Banque Centrale du Congo not dated
10 BCDC (also written B110) authorized Banque Centrale du Congo not dated
11 BRAINSTORM TECHNOLOGIES (also written AKIBA PAY) authorized Banque Centrale du Congo not dated
12 CINETPAY RDC authorized Banque Centrale du Congo not dated
13 DADANADA (also written DA_PAY) authorized Banque Centrale du Congo not dated
14 e-COM SAS authorized Banque Centrale du Congo not dated
15 ECD authorized Banque Centrale du Congo not dated
16 ECOBANK (also written MASTERCARD AIRTEL MONEY) authorized Banque Centrale du Congo not dated
17 ECOBANK (also written CASH EXPRESS VISA) authorized Banque Centrale du Congo not dated
18 FINCA (also written LONA O DEFA) authorized Banque Centrale du Congo not dated
19 FLASH SERVICE SARL authorized Banque Centrale du Congo not dated
20 FRESHBAKERY CONGO SARL (also written FRESHPAY) authorized Banque Centrale du Congo not dated
21 FUND ELECTRONIC TRANSFER SOLUTION authorized Banque Centrale du Congo not dated
22 INFOSET authorized Banque Centrale du Congo not dated
23 KERRY PAYMENTS SARLU (also written PAWAPAY) authorized Banque Centrale du Congo not dated
24 MAISHA SARL RD CONGO (also written MAISHAPAY) authorized Banque Centrale du Congo not dated
25 MFS AFRICA SARL authorized Banque Centrale du Congo not dated
26 MSF AFRICA authorized Banque Centrale du Congo not dated
27 MULTIPAY (also written Opérateur Système) authorized Banque Centrale du Congo not dated
28 NSI GROUP authorized Banque Centrale du Congo not dated
29 OKAPI RDC authorized Banque Centrale du Congo not dated
30 PAYCODE FINTECH (PAFICO) (also written EDAPT) authorized Banque Centrale du Congo not dated
31 PLURITONE SAS (also written MAXICASH) authorized Banque Centrale du Congo not dated
32 PROXYPAY authorized Banque Centrale du Congo not dated
33 PRYMO RD CONGO authorized Banque Centrale du Congo not dated
34 RAW BANK (also written MPGS) authorized Banque Centrale du Congo not dated
35 RAW BANK (also written CHINA EXPRESS) authorized Banque Centrale du Congo not dated
36 RICH WORLD authorized Banque Centrale du Congo not dated
37 SWIM-IT authorized Banque Centrale du Congo not dated
38 UBA (also written LEO) authorized Banque Centrale du Congo not dated
39 WOLF TECHNOLOGIES authorized Banque Centrale du Congo not dated

Reading the tables

not dated
— the official source publishes no date of its own. We show our own last-checked date instead of inventing one for the regulator.

Licence requirements

What it takes to hold this licence, as stated in the cited official instruments. Capital and fees are shown in the currency the statute itself uses.

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. 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.

The equivalent in other markets

Categories mapped to the same normalized activity — fintech:PAYMENT_PROCESSING:

Cross-border rules for DR Congo →