Mobile money providers in South Sudan
- Regulator
- Bank of South Sudan 9
- Main rule
- Electronic Money Regulation, adopted in 2017 1
- First licences
- June 2019, Trinity Technologies and Lukiza (Nilepay), per UNCDF 1
- Legal status
- Same legal validity as cash or bank transfers, per the central bank as reported by Eye Radio 6
- Public list of e-money licensees
- None on the Bank of South Sudan licensing page on 20 October 2026 9
Providers and their published licence status
The table lists each service, the company behind it and the licence status in the words of the source 1,58. Where a source gave no licence statement or website, the table says so. Sources spell one name three ways: m-Gurush, M-Gurush and mGurush 1,26.
| Provider | Operator company | Licence status as published | Official website or app |
|---|---|---|---|
| m-Gurush 2 | Trinity Technologies with Zain South Sudan 1,2 | Licensed by the Bank of South Sudan and the National Communications Authority, as reported by ITWeb on 17 July 2019 2 | No website given in the sources cited 2 |
| NilePay 3 | Lukiza (Nilepay) with Zain South Sudan 1,3 | Licensed by the Bank of South Sudan in June 2019, per UNCDF 1 | No website given in the sources cited 1 |
| MTN MoMo 5 | MTN South Sudan Ltd 5 | Provider page: authorised Financial Service Provider, underwritten by Guardrisk Insurance Company, FSP licence number 44774 5 | https://www.mtn.com.ss/momo-ss/ 5 |
| Digicash 6 | Digitel, written as Digital by Eye Radio and as Digitel Holdings by the Bank of South Sudan 6,7 | No licence statement in the sources cited 6,7 | No website given in the sources cited 6 |
| CapitalPay 8 | CapitalPay Limited, per the site footer 8 | No licence statement on the home page 8 | https://www.capitalpay.com.ss/ and login at https://app.capitalpay.com.ss/signin 8 |
How the first licences were reported
UNCDF reported in April 2023 that the Bank of South Sudan licensed Trinity Technologies and Lukiza (Nilepay) in June 2019 to develop mobile money products 1. Trinity Technologies built m-Gurush with Zain 1.
Press dates differ. Chris Donkin of Mobile World Live wrote on 29 April 2020 that m-Gurush was one of two providers licensed by regulators in late 2018 4. He wrote that m-Gurush and Nilepay both claim to have been first to market 4.
Michael Carroll of Mobile World Live reported on 7 August 2019 that NilePay and Zain South Sudan launched what he called the country's first licensed mobile money service 3. Michael Malakata of ITWeb reported on 17 July 2019 that m-Gurush was licensed by the Bank of South Sudan and the National Communications Authority 2.
What the Bank of South Sudan says
The Bank of South Sudan says it holds sole responsibility for supervising, regulating and licensing financial institutions under the Bank of South Sudan Act, 2011 9. Its licensing page sets out bank licence forms. It did not list mobile money licensees on 20 October 2026 9.
As reported by James Atem Kuir of Eye Radio on 19 July 2025, the central bank said mobile money transactions carry the same legal validity as cash or bank transfers. It said refusing them is a punishable offence 6.
On 14 August 2025 the bank reported that MTN and Digitel Holdings pledged to expand mobile money services to more areas 7. On 27 February 2026 it reported a meeting between Governor Johny Ohisa and MTN South Sudan on system stability, regulatory compliance and consumer protection 10.
Before you open an account
- Read the provider's own licence statement. MTN publishes one on its MoMo page 5.
- Ask the Bank of South Sudan to confirm a licence. Its licensing page names it as the sole licensing body for financial institutions 9.
- Use only official links. The CapitalPay home page sends users to https://app.capitalpay.com.ss/signin to log in or register 8.
- Check how the service started in your area. Eye Radio reports that Zain partnered with M-Gurush and Nilepay for the first rollouts 6.
Common questions
Is MTN MoMo licensed in South Sudan?
MTN's MoMo page says MTN South Sudan Ltd is an authorised Financial Service Provider, underwritten by Guardrisk Insurance Company, with FSP licence number 44774 5.
Which was the first licensed mobile money service in South Sudan?
Sources differ. Mobile World Live called NilePay the first licensed service on 7 August 2019 3. On 29 April 2020 it reported that m-Gurush and Nilepay both claim to have been first 4.
Does the Bank of South Sudan publish a list of mobile money providers?
Its licensing page did not show such a list on 20 October 2026 9.
Rules and fees change. Check the official site linked above before you apply or pay. Spotted an error? Email hello@southsudanmobilemoney.com with the official link.
Sources
- UNCDF: South Sudan Payment Infrastructure Assessment Report (April 2023)
- ITWeb, Michael Malakata: South Sudan launches mobile money service (17 July 2019)
- Mobile World Live, Michael Carroll: Zain South Sudan backs mobile money effort (7 August 2019)
- Mobile World Live, Chris Donkin: South Sudan provider launches cross border payments (29 April 2020)
- MTN South Sudan: MoMo from MTN, provider page (checked 20 October 2026)
- Eye Radio, James Atem Kuir: You can now use mobile money for payments, central bank (19 July 2025)
- Bank of South Sudan: Mobile money providers vow nationwide expansion to back government digital payment push (14 August 2025)
- CapitalPay: home page, provider page (checked 20 October 2026)
- Bank of South Sudan: Licensing (checked 20 October 2026)
- Bank of South Sudan: BoSS engages MTN on strengthening digital payments (27 February 2026)
Related
- CapitalPay in South Sudan
The official CapitalPay login link, what the service offers in South Sudan and what official bodies have published about the company named on its site.
- How to send money to South Sudan
Ways to send money to South Sudan, what each costs in World Bank data, and what the Bank of South Sudan says about mobile money.
- Mobile money fees in South Sudan
Mobile money fee tables published on South Sudan provider pages. Where a provider publishes none, this page says Not published.
- Mobile money safety in South Sudan
PIN safety, wrong transfers, scams and where to complain about mobile money in South Sudan, from provider terms and official sources.