This progression concerns both the number of transactions and the amounts processed. Proximity payments remain dominant in value, while online payments display sustained growth.
Key figures
- 6,37 milliards de dinars : cumulative amount of online and proximity payments in the first nine months of 2026 (TN calculation).
- 18 millions : number of online payment operations, for 1 229,5 millions of dinars.
- 41,3 millions : number of proximity payment operations, for 5 143,6 millions of dinars.
- 1 552 sites marchands actifs : an increase of 27,6 % compared to 31 December 2025.
- 45 900 TPE : fleet of electronic payment terminals, up 6,5 % compared to end of 2025.
E-paiement : more than 1.2 billion dinars of transactions
The BCT data show a rise in online payments during the first nine months of 2026.
The number of e-payment operations rose from 14.1 million by end-September 2025 to 18 million by end-September 2026, i.e., a 27% increase, according to the BCT.
In value terms, the transactions reached 1 229,5 million dinars, versus 990,7 million dinars during the same period in 2025, which corresponds to an increase of 24.1%.
This evolution indicates a simultaneous increase in the number of payments made online and the corresponding amounts.
Proximity payments : more than 5.1 billion dinars processed
Payments made at merchants through electronic payment terminals also show a positive trend.
The number of operations rose from 34.8 million by end-September 2025 to 41.3 million by end-September 2026, representing an increase of 18.6 %, according to BCT figures.
The amounts processed rose from 4 434,2 MD to 5 143,6 MD, i.e., an increase of 16 %.
In value, proximity payments thus represent a volume clearly higher than that of online payments over the studied period.
Over 1,500 active merchant sites and close to 46,000 POS terminals
The development of payment infrastructures and services accompanies this growth in electronic transactions.
As of September 30, 2026, Tunisia counted 1 552 active merchant sites, i.e., an increase of 27,6 % compared to December 31, 2025.
The fleet of electronic payment terminals reached, for its part, 45,9 thousand units, i.e., about 45,900 POS terminals, recording an increase of 6,5 % compared to end-December 2025.
These figures show an expansion in the number of active merchant sites and in the equipment fleet enabling electronic payment of purchases.
Electronic payments: figures compared between 2025 and 2026
The following table presents the main indicators published by the Central Bank of Tunisia for the first nine months of 2025 and 2026.
| Indicator | 30/09/2025 | 30/09/2026 | BCT evolution |
|---|---|---|---|
| E-paiement – Number of operations | 14,1 millions | 18 millions | +27,0 % |
| E-paiement – Amounts | 990,7 MD | 1 229,5 MD | +24,1 % |
| Proximity payments – Number of operations | 34,8 millions | 41,3 millions | +18,6 % |
| Proximity payments – Amounts | 4 434,2 MD | 5 143,6 MD | +16,0 % |
Source: Central Bank of Tunisia (BCT). MD: millions of dinars. The growth rates are those published by the BCT. Values shown are rounded; their recalculation may yield slight discrepancies.
A cumulative amount of 6,37 billion dinars over nine months
By adding the amounts of online payments and proximity payments, the total reaches 6 373,1 million dinars in the first nine months of 2026, compared with 5 424,9 million dinars during the corresponding period in 2025.
This evolution represents an increase of 948,2 million dinars, i.e. 17,5 %, according to the calculations of Tunisia Numérique based on data published by the BCT.
In this scope, proximity payments account for around 80,7 % of the processed amounts, versus 19,3 % for online payments (TN calculation).
