Monrovia – The Central Bank of Liberia (CBL) has announced the approved fee structure for the Inclusive Instant Payments System (IIPS), popularly known as “Pay Na-Na,” which takes effect on January 5, 2026.
The fee structure applies to interoperable Person-to-Person (P2P) mobile money transfers between Lonestar Cell MTN Mobile Money Inc. and Orange Money Liberia.
According to the CBL, the approved fees follow the official launch of the IIPS on December 16, 2025, in Monrovia. The interoperable charges represent a single, unified fee per transaction, in line with the Bank’s mandate to promote affordability, transparency, interoperability, and financial inclusion, while ensuring the platform’s 24-hour availability.
The fee structure is divided into two tiers, representing the maximum allowable charges for interoperable P2P transactions processed through the IIPS.
For transactions ranging from USD 1.00 to USD 2,000.00, or the Liberian Dollar (LRD) equivalent, a fee of not more than one percent (1.0%) shall apply.
For transactions exceeding USD 2,000.00, or the LRD equivalent, a flat fee of not more than USD 25.00, or its Liberian Dollar equivalent, shall apply per transaction.
The Central Bank of Liberia said it will continue to monitor the implementation of the fee structure to ensure compliance, protect consumers, and support the orderly development of Liberia’s digital payments ecosystem.
The Inclusive Instant Payments System (IIPS), branded as “Pay Na-Na,” is a Central Bank of Liberia–led digital payments platform designed to enable real-time, interoperable electronic transactions across different payment service providers in Liberia. The system allows customers of participating mobile money operators to transfer funds seamlessly, regardless of the network they use.
Launched on December 16, 2025, the IIPS represents a major step in the CBL’s efforts to modernize Liberia’s payment infrastructure and reduce reliance on cash-based transactions. By enabling interoperability between Lonestar Cell MTN Mobile Money Inc. and Orange Money Liberia, the platform aims to lower transaction costs, improve convenience, and expand access to formal financial services, particularly for underserved and unbanked populations.
The initiative aligns with the CBL’s broader mandate to promote financial inclusion, transparency, efficiency, and stability within Liberia’s financial system, while supporting the growth of the country’s digital economy.
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