Electronic payments in Cuba: Transfermóvil, EnZona and what the law requires of businesses

Transfermóvil and EnZona are the best-known mobile payment platforms in Cuba. This guide does not explain how to use their apps, which depends on each company, but what the rules published in the Official Gazette say about them and about electronic payments.

The Central Bank licences

In 2020 the Central Bank of Cuba granted licences to operate these platforms: Resolution 157 of 2020 to ETECSA for the "Transfermóvil platform", later replaced by Resolution 116 of 2021, and Resolution 158 of 2020 to XETID for the "ENZONA platform" (Official Gazette No. 79 Extraordinary of 21 December 2020).

Businesses must accept electronic payments

• To register in the Central Commercial Registry, a business must have electronic payment channels linked to its tax or current bank account (article 5 of Decree 168 of 2026).
• Businesses must have those channels and guarantee that consumers can use them (Resolution 24 of 2026 of the Ministry of Domestic Trade).
• Not offering payment through the official electronic channels is an offence fined 100 to 200 quotas (article 73.1 h of Decree 167 of 2026 "On Domestic Trade").
• So is surcharging the price for paying through those channels or because of the denomination of banknotes (article 73.1 i).
• Companies must guarantee their customers access to electronic payment channels (article 8 of Central Bank Resolution 111 of 2023).

The cash limit, suspended

Central Bank Resolution 111 of 2023 set a limit of 5,000 pesos for cash collections and payments arising from a contractual relationship, and required larger payments to be made by non-cash instruments. Resolution 74 of 2026, published in Official Gazette No. 81 (Extraordinary) of 17 July 2026, suspended that limit "until the country’s conditions allow it".

The QR code

Resolution 15 of 2025 of the Ministry of Domestic Trade defines electronic payment as payment through national gateways using a QR code, point-of-sale terminals or remote banking.