19 December 2025
Egyptian fintech firm Tpay has secured approval from the National Telecommunications Regulatory Authority (NTRA) to operate as the country’s official Direct Operator Billing (DCB) provider for government-related transactions.
The agreement, signed by Tpay CEO Ahmed Nabil and NTRA President Mohamed Shamroukh, grants Tpay the authority to enable citizens to pay for various government services — such as electricity bills, traffic fines, and civil registration fees — using their mobile phone balance or monthly mobile bill. This initiative aims to streamline payments for public services by removing the need for bank cards or in-person visits, making transactions more accessible and convenient.
“Through this approved framework, we are laying the foundation for a national digital payment channel that expands access, improves convenience, and supports Egypt’s rapidly evolving digital economy,” said Isik Uman, CEO of Tpay Group.
The program is designed with a focus on financial inclusion, targeting Egyptians who own mobile phones but lack access to traditional banking services. With over 120 million mobile subscriptions as of September 2025 — roughly 109% mobile penetration — Egypt’s widespread connectivity offers an effective platform to reach underserved populations with digital payment solutions.
This licensing positions Tpay as the leading facilitator of mobile-based government payments in Egypt. Its bank-independent model integrates directly with government systems, broadening access for a wider user base, including the unbanked, giving it a competitive edge over fintech firms that rely on traditional banking infrastructure.
This move aligns with Egypt’s broader strategy to digitize public services and promote financial inclusion, leveraging high mobile penetration to extend essential government transactions to all segments of society.
