--- title: "RedotPay in Chad: cards, delivery and topping up in CFA francs" description: "Can you use RedotPay in Chad? Account, virtual and physical cards, delivery to N'Djamena, no Apple Pay, Google Wallet, topping up with XAF through P2P or mobile money, fees in CFA francs." --- > Documentation Index > Fetch the complete documentation index at: https://redotdocs.com/llms.txt > Use this file to discover all available pages before exploring further. # RedotPay in Chad: cards, delivery and topping up in CFA francs RedotPay serves Chad: you can open an account, get both cards and have the [physical card](/en/cards/physical-card/) delivered. On 1 November 2026 RedotPay was the number-one finance app on Google Play in Chad, and Chad is on none of RedotPay's four restriction lists. Apple Pay isn't available in Chad. ## Chad at a glance | | Chad | |---|---| | Account | Available | | Virtual card | Available, 10 USD | | Physical card | Available, 100 USD. DHL Express in 3 to 10 days, or free standard mail in 5 to 30 days | | Apple Pay | Not available in Chad | | Google Pay | Google lists Chad among the countries where Google Wallet is available. We haven't confirmed that a RedotPay card can be added and used for tap-to-pay there | | Sign-up country code | +235 | | Top up in CFA francs (XAF) | Only through P2P, if XAF appears in the app's currency list. RedotPay doesn't publish the list | | Receiving CFA francs | No: the app's fiat accounts are USD, EUR, GBP and a few others | ## Topping up from Chad RedotPay holds crypto, mostly USDT, and the card spends it. There are three ways to get USDT into the app from Chad: - **Deposit crypto you already hold**, for example USDT on Tron or BNB Smart Chain. See [depositing crypto](/en/deposits-withdrawals/deposit-crypto/). - **Buy USDT from other users through P2P**, paying them in CFA francs. RedotPay says P2P works in more than 100 countries and depends on local rules and the payment methods available, but it doesn't publish the list of countries, currencies or payment methods. Open **P2P**, tap the currency button and look for **XAF**. If it isn't there, P2P isn't available for CFA francs. See [buying USDT with local currency](/en/deposits-withdrawals/p2p-local-currency/). - **Pay by card.** The app offers **Buy crypto** with Visa or Mastercard and a **Card Deposit**. Whether a card issued by a Chadian bank goes through depends on the bank allowing international online payments. We haven't tested it. **Mobile money.** Chad's two large wallets are **Airtel Money**, licensed as a payment institution in March 2022, and **Moov Money**, licensed in the first half of 2026, with the local fintech Konoom authorised in October 2025. BEAC counted 6.25 million active mobile-money accounts in Chad at the end of 2024. Whether a P2P seller accepts them depends on the seller's ad. Pay only from an account in your own name, and only inside the order. No bank or payment institution in Chad sells crypto itself. The P2P route depends on other users, so rates and availability vary. ## Fees that matter in Chad - **Paying in CFA francs**, in a shop or at an ATM in N'Djamena, adds the 1.2% other-currency fee and the 1% crypto conversion. ATM withdrawals also cost 2%. See [fees and limits](/en/fees-limits/) and [ATM withdrawals](/en/cards/atm-withdrawals/). - **The physical card costs 100 USD**, plus DHL Express if you choose it; standard mail is free but slow. The virtual card costs 10 USD. See [virtual vs physical](/en/cards/virtual-vs-physical/). - **Card terminals may refuse foreign cards.** RedotPay notes that some countries limit payments on foreign-issued cards and that some terminals aren't set up for them. Work through [the declined-card checklist](/en/troubleshooting/card-declined/) before assuming the card is at fault. ## How Chadians use RedotPay RedotPay doesn't say why the app ranks so high in Chad, and we found no Chadian press or reviews about it. In a country without Apple Pay and with few internationally accepted cards, the uses that fit are: - **Paying online** for services that don't accept local cards: AI tools, ads, games, subscriptions. See [paying online](/en/cards/pay-online/). - **Spending USDT received from abroad**, from clients or family, without a bank. See [receiving money from abroad](/en/deposits-withdrawals/receive-money/). - **Cash abroad** with the physical card. See [ATM withdrawals](/en/cards/atm-withdrawals/). ## If you're Chadian but live elsewhere RedotPay's "no account" list is about nationality, and its card lists are about where you live. Chad is on none of them, so a Chadian passport isn't an obstacle. What matters is the country you live in. See [the country overview](/en/countries/). ## Practical points - **Watch for scams.** In July 2025 Chad's Ministry of Finance warned about a fake "information note" promoting a crypto investment campaign in its name and told the public never to send ID documents over WhatsApp. RedotPay verifies identity only inside the app; nobody from RedotPay will ask for your documents on social media. See [verifying your identity](/en/getting-started/verify-identity/) and [is RedotPay legit](/en/getting-started/is-redotpay-legit/). - **Money held for review** is the most common complaint across countries. Read [why it happens](/en/troubleshooting/funds-on-hold/) before moving larger amounts. - **No Apple Pay**: to pay in shops you need the physical card, or Google Wallet if it works for you. See [Apple Pay and Google Pay](/en/cards/mobile-wallets/). Sources: RedotPay help-centre articles "Unsupported Countries/Regions", "Card Issuance Restrictions", "Card Delivery Restrictions", "Which Countries Can Use RedotPay P2P?" and "Why Won't My RedotPay Card Work in Some Countries?"; Apple's "Countries and regions that support Apple Pay"; Google's "Supported countries for Google Wallet & tap to pay" (all checked 2 Nov 2026). Google Play ranking: AppCurves, 1 Nov 2026. Scam warning: Tchadinfos, the Ministry of Finance's denial of 19 Jul 2025. Mobile money: Ecomatin, "Tchad : Moov Money décroche son agrément d'établissement de paiement" (28 Jul 2026). Source: https://redotdocs.com/en/countries/chad/index.mdx