Digital Wallet
Hold, send, and receive money securely from your phone.
Chad & CEMAC · Coming Soon
The Future of Digital Payments in Central Africa
Secure wallet, virtual & physical cards, instant transfers, bill payments, and business tools — all in one beautifully simple app.
- Bank-grade security
- Instant transfers
- Built for CEMAC
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Core services
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Card tiers
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Always available
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Digital-first
Simple payments for everyday life
Everything you need — wallet, cards, transfers, and business tools in one place.
Virtual Visa & Mastercard
Shop online worldwide with instant virtual cards.
Money Transfers
Fast transfers at home and across the region.
QR Pay
Scan and pay merchants — quick and contactless.
Business Accounts
Tools for merchants, payroll, and daily operations.
NGO & Donations
Transparent flows for nonprofits and social impact.
Payroll System
Pay teams on time with simple business payroll.
Scan to Pay
Point, scan, and pay — built for local commerce.
Get started in three steps
No paperwork, no branches. Everything happens right inside the app.
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1
Create your account
Sign up in minutes with just your phone number and ID.
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2
Add your card
Get an instant virtual card or order a physical one.
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3
Pay & send
Transfer money, pay bills, and scan to pay anywhere.
TPay Card Collection
Choose the card experience that fits your lifestyle and business needs.
Premium Payment Experience
A refined Visa experience designed for confidence, style, and global acceptance.
Mastercard Virtual Cards
Instant virtual Mastercard — secure, fast, and ready for digital wallets.
Physical Cards Available
Request your physical card directly from the Toumai Pay app.
Your bank, in your pocket
Clean, simple, and built for how Central Africa moves money every day.
About
Built for Central Africa
TPay is a next-generation fintech platform developed to simplify digital payments and financial access across Chad and the CEMAC region.
TPay is a product of Toumai Holding.
Questions, answered
Everything you might want to know before we launch.
When will TPay launch?
We're launching soon across Chad and the CEMAC region. Join the waitlist to be the first to know the exact date.
Is TPay safe to use?
Yes. TPay is built with bank-grade encryption and security practices to keep your money and data protected at all times.
Which cards can I get?
You can get instant virtual Visa & Mastercard, plus physical cards in Silver, Gold, and Black tiers — all from the app.
Does it work for businesses?
Absolutely. TPay offers business accounts, payroll, QR pay, and merchant tools designed for local commerce.
What does it cost?
TPay is designed to be affordable and transparent. Full pricing will be shared at launch — no hidden fees.
Join the Waitlist
Be first to know when we launch in Chad & Central Africa.