GIMACPAY review
Updated October 12, 2026 · HodlCue Editorial Team
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Our verdict
GIMACPAY is a regional payment network rather than a single bank card, connecting banks and mobile wallets across Central Africa. It suits people who move money between different banks, operators and CEMAC countries and want interoperable cards and transfers.
Key facts
- Best for
- Interoperable cards and payments across Central Africa
- Legal entity
- GIMAC – Groupement Interbancaire Monétique de l'Afrique Central↗
- Headquarters
- Cameroon↗
- Founded
- 2012↗
- Official website
- gimac-afr.com
Facts checked September 26, 2026, 1 source
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Regional network linking banks, mobile money and microfinance
- Cards and wallets usable across operators and banks
- Card and cardless withdrawals across CEMAC countries
- 123 active members supporting wide regional acceptance
Cons
- Coverage centred on the CEMAC region rather than wider markets
- Access depends on a member bank, operator or institution
- Joining involves application, assessment and certification steps
Ready to try GIMACPAY?
Who it suits
- People paying or withdrawing across CEMAC countries
- Holders of bank or mobile accounts in Central Africa
- Institutions offering interoperable payment services
Who should look elsewhere
- People seeking an individual account opened directly
Safety and regulation
GIMACPAY uses a centralised and protected infrastructure built for regional payments. That infrastructure complies with ISO and international standards for electronic payments. It also holds PCI DSS V4.0.1 certification for security and global compliance. Membership and technical certification follow clear and protected procedures aligned with regional and international standards, supported by certified training programmes.
How GIMACPAY compares
Frequently asked questions
Which countries does GIMACPAY serve?+
GIMACPAY serves six countries in the CEMAC region and connects users beyond it. It links banks, microfinance institutions and operators across Central Africa. The network reports more than 37 million interconnected users.
How do GIMACPAY debit cards work?+
Its debit cards support withdrawals with or without a card throughout CEMAC countries. You can also make instant payments through cards or wallets without bank or operator constraints. Cash in and cash out functions work with full interoperability.
Who can join the GIMACPAY network?+
Banks, microfinance institutions, operators and payment firms apply by stating their status and interoperability needs. GIMAC assesses system compliance and supports integration into the network. Certified members can then offer interoperable services to customers.
Which company operates GIMACPAY?+
GIMACPAY is operated by GIMAC – Groupement Interbancaire Monétique de l'Afrique Central. (Source, checked September 26, 2026)
Where is GIMACPAY based?+
GIMACPAY is based in Cameroon. (Source, checked September 26, 2026)
When was GIMACPAY founded?+
GIMACPAY was founded in 2012. (Source, checked September 26, 2026)
Sources
- gimac-afr.com/en checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Founded: 2012”
Compiled from 1 source page, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Card type, Protection.
GIMACPAY
Interoperable cards and payments across Central Africa