Fintech & digital payments rules in Haiti (2026)

The BRH (Banque de la République d'Haïti) is the sole supervisory authority for all payment service providers, mobile money operators, and digital financial services in Haiti. Providers must register with and obtain prior authorization or a non-objection opinion from the BRH.

Circular 121 (in force 6 December 2021) requires any joint-stock company providing electronic payment services to obtain BRH authorization, hold minimum capital of HTG 5,000,000, keep at least 80% of collected client funds in a demand deposit and 20% in BRH bonds, and observe a per-transaction cap of HTG 100,000. A 12-month transitional period was granted to existing operators.

The BRH launched PRONAP (Processeur National de Paiements) to interconnect banks, fintechs, cooperatives, and payment operators on a single settlement infrastructure. ATM interoperability among major banks (Unibank, SOGEBANK, Capital Bank) went live October 2020; the platform is intended to support card issuance and new payment entrants.

BRH regulation requires mobile money/e-money operators to partner with a licensed bank. MonCash (operated by Unigestion Holding S.A./Digicel), Haiti's dominant mobile wallet with over 2 million users, holds a BRH license and operates under this bank-partner model alongside Circular 121 and Circular 114-3 requirements.

BRH mandated full KYC identification for all electronic payment service customers by 1 July 2024; unidentified accounts were restricted from cash-in, cash-out, remittances, and bill payment. This aligns with Circular 121's AML/CFT compliance obligations for all licensed FSPs.

As of 2025–2026, Haiti has no dedicated open banking regulation, no BNPL-specific rules, and no real-time instant payment rail analogous to systems like SEPA Instant or PIX. The BRH has signalled intent to modernize and expand the regulatory framework but no corresponding secondary legislation or consultations have been published.