CEMAC (regional) · Account Transfer + Mobile Money · Est. 2020
CEMAC region's interbank interoperable retail payment platform, operated by GIMAC (Groupement Interbancaire Monétique de l'Afrique Centrale) under BEAC regulatory oversight. Covers six Central African countries (Cameroon, Chad, Gabon, Republic of Congo, Central African Republic, Equatorial Guinea) with a shared XAF rail. Connects banks, microfinance institutions, mobile money operators, payment institutions, public treasuries and fintech aggregators, supporting person-to-person, wallet-to-bank and card-to-wallet transfers across all six countries. Mobile money now accounts for roughly three-quarters of transaction volume.
GIMACPay is CEMAC (regional)’s real-time payment system (Account Transfer + Mobile Money), launched in 2020. CEMAC regions interbank interoperable retail payment platform, operated by GIMAC (Groupement Interbancaire Monétique de lAfrique Centrale) under BEAC regulatory oversight.
GIMACPay processed 20.0 million transactions worth $1.5bn in 2025.
GIMACPay is operated by GIMAC, with instant settlement.
GIMACPay launched in 2020, and today has 124 participating institutions.
GIMACPay supports digital wallets, proxy/alias lookup.
Data source: GIMAC + BEAC (partial primary; 2025 aggregate from press summary).
| Capability | Status |
|---|---|
| QR Code Payments | ◐ |
| Wallet Support | ✓ |
| 24/7 Availability | ✓ |
| Cross-Border | ✓ |
| ISO 20022 | — |
| Request to Pay | — |
| Open API | ◐ |
| Alias/Proxy | ✓ |