Guide
Packs pays
Un pack pays est une donnée, pas du code : il fixe la devise, les limites hors ligne, l'échelle KYC, les rails locaux et le cadre de protection des données d'un marché.
Cette page est disponible en anglais pour le moment.
Packs
This table is generated from the countryPacks export of @payvault/countries, so it always matches the code. Amounts are shown in major units.
| Code | Country | Currency | Per payment | Allowance cap | TTL | Domestic rails | Data law | Status |
|---|---|---|---|---|---|---|---|---|
| BJ | Bénin | XOF | F CFA 7,500 | F CFA 25,000 | 72 h | PI-SPI, STAR-UEMOA, SICA-UEMOA, GIM-UEMOA, MTN MoMo, Moov Money | Loi n° 2017-20 du 20 avril 2018 portant code du numérique en République du Bénin (residency: none) | concept |
| CM | Cameroun | XAF | FCFA 7,500 | FCFA 25,000 | 72 h | SYGMA, SYSTAC, GIMAC, MTN MoMo, Orange Money | Law No. 2010/012 on Cybersecurity and Cybercriminality (personal data provisions) (residency: preferred) | concept |
| CI | Côte d'Ivoire | XOF | F CFA 7,500 | F CFA 25,000 | 72 h | PI-SPI, STAR-UEMOA, SICA-UEMOA, GIM-UEMOA, Orange Money, MTN MoMo, Moov Money, Wave | Loi n° 2013-450 du 19 juin 2013 relative à la protection des données à caractère personnel (residency: none) | concept |
| EG | Égypte | EGP | EGP 600.00 | EGP 2,000.00 | 72 h | InstaPay (IPN), CBE RTGS, Egyptian ACH, Meeza, Vodafone Cash | Personal Data Protection Law No. 151 of 2020 (residency: preferred) | concept |
| ET | Éthiopie | ETB | ETB 1,500.00 | ETB 5,000.00 | 72 h | EATS, EthSwitch, telebirr, M-Pesa | Personal Data Protection Proclamation No. 1321/2024 (residency: preferred) | concept |
| GH | Ghana | GHS | GHS 150.00 | GHS 500.00 | 72 h | GhIPSS Instant Pay (GIP), GhIPSS RTGS, GhIPSS ACH, gh-link, MTN MoMo, Telecel Cash | Data Protection Act, 2012 (Act 843) (residency: none) | concept |
| KE | Kenya | KES | KES 1,500.00 | KES 5,000.00 | 72 h | PesaLink, KEPSS, Kenya EFT, M-Pesa, Airtel Money | Data Protection Act, 2019 (residency: preferred) | concept |
| MA | Maroc | MAD | MAD 120.00 | MAD 400.00 | 72 h | SRBM, SIMT, CMI, inwi money, Orange Money | Law No. 09-08 on the protection of individuals with regard to the processing of personal data (residency: preferred) | concept |
| NG | Nigéria | NGN | NGN 15,000.00 | NGN 50,000.00 | 72 h | NIBSS Instant Payment (NIP), CBN RTGS, Verve | Nigeria Data Protection Act 2023 (residency: preferred) | concept |
| RW | Rwanda | RWF | RWF 15,000 | RWF 50,000 | 72 h | RSwitch, RIPPS, MTN MoMo, Airtel Money | Law No. 058/2021 of 13/10/2021 relating to the protection of personal data and privacy (residency: required) | concept |
| SN | Sénégal | XOF | F CFA 7,500 | F CFA 25,000 | 72 h | PI-SPI, STAR-UEMOA, SICA-UEMOA, GIM-UEMOA, Orange Money, Wave | Loi n° 2008-12 du 25 janvier 2008 sur la protection des données à caractère personnel (residency: none) | concept |
| ZA | Afrique du Sud | ZAR | ZAR 200.00 | ZAR 700.00 | 72 h | PayShap, SAMOS, BankservAfrica EFT | Protection of Personal Information Act, 2013 (POPIA) (residency: none) | concept |
| TZ | Tanzanie | TZS | TZS 30,000.00 | TZS 100,000.00 | 72 h | TIPS, TISS, TACH, M-Pesa, Mixx by Yas, Airtel Money | Personal Data Protection Act, 2022 (residency: preferred) | concept |
| TG | Togo | XOF | F CFA 7,500 | F CFA 25,000 | 72 h | PI-SPI, STAR-UEMOA, SICA-UEMOA, GIM-UEMOA, T-Money, Flooz | Loi n° 2019-014 du 29 octobre 2019 relative à la protection des données à caractère personnel (residency: none) | concept |
| UG | Ouganda | UGX | UGX 40,000 | UGX 150,000 | 72 h | UNISS, Uganda EFT, MTN MoMo, Airtel Money | Data Protection and Privacy Act, 2019 (residency: none) | concept |
What a pack sets
offlineLimits:perTransaction,allowanceCap(the most that can be locked, plus credit, in one allowance),allowanceTtlHours,maxPaymentsPerAllowanceandreleaseGraceHours. All amounts are integers in minor units.kyc: the tier ladder, each tier with anallowanceCapMultiplierbetween 0 and 1, and the national ID systems accepted.rails: domestic rails by type (instant, RTGS, mobile money, card, ACH) and cross-border options.dataProtection: the data-protection law, the authority, and whether residency is none, preferred or required.currency,languages,phone,centralBankand a bilingualnotesfield.
How packs are used
Issuing an allowance copies its currency, per-payment limit, maximum payment count and expiry from the pack into the signed certificate, so merchants enforce the limits offline without asking anyone. External-ledger issuance also rejects funded + credit above the pack's cap. Adding a market is a data change validated by a schema at load time, not new code.
A pack's releaseGraceHours is part of the schema. The current sweep that returns unspent vault value waits a fixed 30 days after expiry for a phone that never checks in; a returning phone is refunded at once from its signed close statement.