Egypt has licensed local fintech company Tpay to facilitate mobile payments for government services, marking a significant step in the country’s drive to expand digital payments and financial inclusion.
Under the new approval, Tpay will operate as a Direct Carrier Billing (DCB) provider, allowing citizens to pay for selected public services directly through their mobile phone balance or telecom monthly bill. The system removes the need for bank cards or traditional bank accounts, making government payments more accessible to a wider segment of the population.
The service is expected to cover a range of everyday government payments, including electricity bills, traffic fines, and civil registry services, among others. By integrating payments into mobile networks, the platform simplifies transactions and reduces friction for users who rely primarily on mobile phones for financial activities.
Egypt’s authorities see the move as a way to leverage the country’s high mobile penetration to support digital transformation. With more than 120 million mobile subscriptions, mobile-based billing is viewed as a scalable channel to reach unbanked and underbanked citizens, particularly in areas where access to banking infrastructure remains limited.
Tpay’s bank-independent model aligns with Egypt’s broader strategy to modernize public services, reduce cash usage, and improve the efficiency of government collections. The licensing also reflects growing regulatory support for fintech solutions that complement existing banking and mobile money systems.
The rollout of mobile-based government payments is expected to accelerate the adoption of digital services across the public sector, while reinforcing Egypt’s efforts to build a more inclusive and technology-driven payments ecosystem.
