{"id":95907,"date":"2025-10-28T12:29:08","date_gmt":"2025-10-28T12:29:08","guid":{"rendered":"https:\/\/www.africa-press.net\/cameroun\/politique\/paiements-par-carte-au-cameroun-face-au-mobile-money"},"modified":"2025-11-02T08:59:40","modified_gmt":"2025-11-02T08:59:40","slug":"paiements-par-carte-au-cameroun-face-au-mobile-money","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/cameroun\/economie\/paiements-par-carte-au-cameroun-face-au-mobile-money","title":{"rendered":"Paiements par Carte au Cameroun Face au Mobile Money"},"content":{"rendered":"<p><span style=\"color: #ff6600\"><strong>Africa-Press &#8211; Cameroun. <\/strong><\/span>Investir au Cameroun) &#8211; Au cours de l\u2019anne\u0301e 2023, les de\u0301tenteurs de cartes bancaires au Cameroun ont effectue\u0301 1,6 million d\u2019ope\u0301rations de paiements marchands, pour un montant total de 149,8 milliards de FCFA. Ce chiffre est re\u0301ve\u0301le\u0301 par le rapport sur les services de paiement dans la zone Cemac (Cameroun, Congo Gabon, Guine\u0301e e\u0301quatoriale, Tchad et RCA), re\u0301cemment publie\u0301 par la Banque des Etats de l\u2019Afrique centrale (BEAC), la banque centrale des six Etats de cet espace communautaire.<\/p>\n<p>L\u2019analyse des donne\u0301es du rapport re\u0301ve\u0300le que la valeur des paiements effectue\u0301s par carte bancaire au Cameroun en 2023 ne repre\u0301sente que 6,5% des 2279,4 milliards de FCFA de paiements effectue\u0301s par monnaie e\u0301lectronique dans le pays au cours de la pe\u0301riode. En effet, apprend-on, le reste des ope\u0301rations a e\u0301te\u0301 effectue\u0301 via le Mobile Money, service mis en place depuis quelques anne\u0301es par les ope\u0301rateurs de te\u0301le\u0301phonie mobile, en partenariat avec les banques. Cette offre permet d\u2019effectuer des transactions financie\u0300res &#8211; de\u0301po\u0302ts, retraits, transferts, paiements marchands, paiement des impo\u0302ts et taxes, micro-cre\u0301dits, souscription a\u0300 la micro-assurance &#8211; a\u0300 partir du te\u0301le\u0301phone portable.<\/p>\n<p>Les chiffres re\u0301ve\u0301le\u0301s par le rapport sur les services de paiement dans la Cemac en 2023 montrent le ro\u0302le majeur que joue le Mobile Money dans l\u2019inclusion financie\u0300re dans la sous-re\u0301gion, et particulie\u0300rement au Cameroun. En effet, a\u0300 l\u2019oppose\u0301 de la carte bancaire qui demeure e\u0301litiste, puisqu\u2019elle n\u2019est accessible qu\u2019a\u0300 la population bancarise\u0301e &#8211; environ 40% y compris la microfinance &#8211; le Mobile Money est un service populaire, facile d\u2019acce\u0300s, et dont la rapidite\u0301 d\u2019appropriation par la population camerounaise est assise sur un taux de pe\u0301ne\u0301tration de la te\u0301le\u0301phonie mobile de\u0301passant 80%.<\/p>\n<p>Re\u0301sultat des courses: alors qu\u2019en 2023 le Cameroun ne dispose que de 1739 terminaux de paiements e\u0301lectroniques &#8211; TPE &#8211; sur lesquels les 1,4 million de cartes bancaires en circulation dans le pays peuvent servir a\u0300 effectuer des paiements, 24,86 millions de comptes Mobile Money sont recense\u0301s sur le territoire national. Parmi ces comptes, souligne le rapport sus-mentionne\u0301, 11,7 millions sont conside\u0301re\u0301s comme actifs, rendant ainsi possible les ope\u0301rations dans les centaines de milliers de points marchands acceptant des paiements Mobile Money au Cameroun. De plus, la de\u0301tention d\u2019un compte mobile n\u2019engendre aucun frais, tandis que les cartes bancaires sont payantes.<\/p>\n<p>Moins utilise\u0301es pour les ope\u0301rations de paiement, les cartes bancaires au Cameroun servent davantage a\u0300 effectuer des retraits d\u2019argent en espe\u0300ces sur les guichets automatiques des banques &#8211; GAB. Selon les donne\u0301es publie\u0301es par la banque centrale, 3499,5 milliards de FCFA ont e\u0301te\u0301 retire\u0301s sur les 944 GAB que comptait le Cameroun au cours de l\u2019anne\u0301e 2023.<\/p>\n<p><b>Brice R. Mbodiam<\/b><\/p>\n<p><strong>Pour plus d&rsquo;informations et d&rsquo;analyses sur la <span style=\"color: #ff6600\">Cameroun<\/span>, suivez <span style=\"color: #ff6600\">Africa-Press<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Africa-Press &#8211; Cameroun. Investir au Cameroun) &#8211; Au cours de l\u2019anne\u0301e 2023, les de\u0301tenteurs de cartes bancaires au Cameroun ont effectue\u0301 1,6 million d\u2019ope\u0301rations de paiements marchands, pour un montant total de 149,8 milliards de FCFA. Ce chiffre est re\u0301ve\u0301le\u0301 par le rapport sur les services de paiement dans la zone Cemac (Cameroun, Congo Gabon, [&hellip;]<\/p>\n","protected":false},"author":82,"featured_media":95906,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,10],"tags":[49],"class_list":["post-95907","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-toutes-les-actualites","tag-cameroun"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.1 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Paiements par Carte au Cameroun Face au Mobile Money - Cameroun<\/title>\n<meta name=\"description\" content=\"Investir au Cameroun) - Au cours de l\u2019anne\u0301e 2023, les de\u0301tenteurs de cartes bancaires au Cameroun ont effectue\u0301 1,6 mil ...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.africa-press.net\/cameroun\/economie\/paiements-par-carte-au-cameroun-face-au-mobile-money\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Paiements par Carte au Cameroun Face au Mobile Money\" \/>\n<meta property=\"og:description\" content=\"Investir au Cameroun) - 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