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CBE Birr

Country: Ethiopia (ET)  |  Payment Rail: closed_loop_wallet

DigitalWallet Market Adoption: 35%

CBE Birr is the official mobile money platform of the Commercial Bank of Ethiopia, featuring deep integration with the country's largest banking network and widely used for utility payments, school fees, merchant checkouts, and peer-to-peer transfers.

🔄 User Payment Flow

  1. Customer selects CBE Birr at merchant checkout
  2. Checkout opens CBE Birr app or prompts for registered CBE Birr mobile number
  3. Customer verifies transaction details and inputs 4-digit CBE Birr PIN
  4. Commercial Bank of Ethiopia clears funds instantly and provides digital receipt

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API initiates payment request via CBE Birr gateway or PSP aggregator
  • CBE system validates customer wallet balance and processes debit authorization
  • PSP triggers payment success webhook notification to merchant backend