Établissement de paiement — Guinea-Bissau

The Guinea-Bissau category mapped to payment processing.

Regulator: Banque Centrale des Etats de l'Afrique de l'Ouest (BCEAO).

Union-wide licence: the rulebook and register are set at the WAEMU (UMOA/UEMOA) level by Banque Centrale des Etats de l'Afrique de l'Ouest (BCEAO); the agrément is granted for Guinea-Bissau.

Union-wide non-bank payment-institution licence under BCEAO Instruction 001-01-2024 (services de paiement dans l'UMOA), granted per member state. The category is an umbrella: each agrément fixes which of the eight statutory payment services (Art 4) the institution may provide (Art 19), and the published union register lists the institution and its registration number but not its per-service scope - so per-entity scope is an honest gap. An EP whose agrément covers Art 4(iii) transfert de fonds moves money intra-Union as a payment service; extra-Union transfers sit under the separate exchange-control regime this instruction does not touch, so cross-border remittance is never asserted from the register alone.

Maintained: this official source is re-checked on a weekly schedule — last checked 2026-08-04 · unchanged since the previous check.

Licensed providers

1 entity

#	Provider	Status (as reported)	Licensed / granted	Source	Source date
1	INTOUCH Guinée-Bissau	licensed	2025-06-25	BCEAO	2026-02-28

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	XOF 100,000,000 for any of the payment services i)–vi); tiered by scope — aggregation-only XOF 10,000,000, initiation-only XOF 20,000,000, initiation + aggregation XOF 30,000,000 (Art 11); the agrément decision may fix a higher minimum Verbatim “il doit justifier d'un capital social au moins égal à 100 millions de francs CFA … il doit justifier d'un capital social au moins égal à 10 millions de francs CFA … au moins égal à 20 millions de francs CFA … au moins égal à 30 millions de francs CFA”	BCEAO, Instruction n°001-01-2024 relative aux services de paiement dans l'UMOA	2024-01-23
Local presence / incorporation	Constituted as a société anonyme, SARL or société coopérative; a single-shareholder (unipersonnelle) form is not permitted (Art 13) Verbatim “Les établissements de paiement sont constitués sous forme de société anonyme, de société à responsabilité limitée ou de société coopérative. Ils ne peuvent revêtir la forme d'une société unipersonnelle.”	BCEAO, Instruction n°001-01-2024 relative aux services de paiement dans l'UMOA	2024-01-23
Timeline	Deemed refused if the agrément is not granted within six (6) months of a complete application; extended to nine (9) months where a home-authority non-objection is required (Art 19) Verbatim “réputé avoir été refusé s'il n'est pas octroyé dans un délai de six (6) mois à compter de la réception par la Banque Centrale de la demande, accompagnée du dossier complet … Ce délai est porté à neuf (9) mois lorsqu'un avis de non-objection de l'autorité de contrôle d'origine du requérant est exigé.”	BCEAO, Instruction n°001-01-2024 relative aux services de paiement dans l'UMOA	2024-01-23
Local ownership	No such requirement: The Instruction sets no local-ownership or nationality requirement	BCEAO, Instruction n°001-01-2024 relative aux services de paiement dans l'UMOA	2024-01-23
Fees	A value has been located but not yet verified, so we don't publish it here.	—	—
Ongoing obligations	A value has been located but not yet verified, so we don't publish it here.	—	—

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 Guinea-Bissau →