Chad shares the Central African CFA franc and BEAC payment infrastructure with monetary-union members. Banks and mobile-money providers offer different routes to local and regional transfers in a low-income economy of about 21 million people, with GDP per capita near US$1,000 in 2025.
Cash in Chad
Cash is the mainstay in Chad, where credit cards reach a slice of businesses and cash machines can be unreliable. CFA-franc banknotes retain a central role in commerce, while banking and mobile-money services provide options.
Payment Methods
Estimated Monthly Usage, Aurato Research, October 2026
Schemes
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Systems
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