RedotPay serves Madagascar: you can open an account, get both cards and have the physical card delivered. On 1 November 2026 RedotPay was the tenth finance app on Google Play in Madagascar, and Madagascar is on none of RedotPay’s four restriction lists. Apple Pay isn’t available in Madagascar.
Madagascar at a glance
| Madagascar | |
|---|---|
| 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 Madagascar |
| Google Pay | Google lists Madagascar 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 | +261 |
| Top up in ariary (MGA) | Only through P2P, if MGA appears in the app’s currency list. RedotPay doesn’t publish the list |
| Receiving ariary | No: the app’s fiat accounts are USD, EUR, GBP and a few others |
Topping up from Madagascar
RedotPay holds crypto, mostly USDT, and the card spends it. There are three ways to get USDT into the app from Madagascar:
- Deposit crypto you already hold, for example USDT on Tron or BNB Smart Chain. See depositing crypto.
- Buy USDT from other users through P2P, paying them in ariary. 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 MGA. If it isn’t there, P2P isn’t available for ariary. See buying USDT with local currency.
- Pay by card. The app offers Buy crypto with Visa or Mastercard and a Card Deposit. Whether a card issued by a Malagasy bank goes through depends on the bank allowing international online payments. We haven’t tested it.
Mobile money. Madagascar runs on three wallets: MVola (Telma, numbers starting 034 and 038), Orange Money (032 and 037) and Airtel Money (033). 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.
Fees that matter in Madagascar
- Paying in ariary, in a shop or at an ATM, adds the 1.2% other-currency fee and the 1% crypto conversion. ATM withdrawals also cost 2%. See fees and limits and ATM withdrawals.
- Cash still rules. Wise describes cash as the predominant payment method for nearly all transactions in Madagascar, so expect to use the physical card at ATMs more than at terminals. Only the physical card withdraws cash. See the physical card.
- 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.
- 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 before assuming the card is at fault.
How Malagasy users use RedotPay
RedotPay doesn’t say why the app ranks in Madagascar’s top ten, and we found no Malagasy press or reviews about it. L’Express de Madagascar wrote in July 2025 that crypto use in the country is still marginal and that buyers often don’t check the platforms they use. The uses that fit are:
- Paying online for services that don’t accept local cards: AI tools, ads, games, subscriptions. See paying online.
- Spending USDT received from abroad, from clients or family, without a bank. See receiving money from abroad.
- Cash abroad with the physical card. See ATM withdrawals.
If you’re Malagasy but live elsewhere
RedotPay’s “no account” list is about nationality, and its card lists are about where you live. Madagascar is on none of them, so a Malagasy passport isn’t an obstacle. What matters is the country you live in. See the country overview.
Practical points
- Choose the seller, not the rate. On P2P, sellers set their own price. Pay only inside the order, from an account in your own name, and never follow a seller to WhatsApp or Telegram.
- Money held for review is the most common complaint across countries. Read why it happens 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.