The Central Bank of Liberia (CBL) has announced a new fee structure for the Inclusive Instant Payments System (IIPS), commonly known as Pay Na-Na, which will take effect on January 5, 2026.
The announcement was made on December 30, 2025, in Monrovia, following the official launch of the payment system on December 16, 2025.
The IIPS is designed to enable instant and interoperable Person-to-Person (P2P) mobile money transfers between Lonestar Cell MTN Mobile Money Inc. and Orange Money Liberia.
According to the CBL, the new fee structure is intended to promote affordability, transparency, and broader access to digital financial services nationwide.
The Bank clarified that the fees apply exclusively to interoperable P2P transactions processed through the IIPS platform.
Under the first tier of the fee structure, transactions valued between USD 1.00 and USD 2,000.00, or the Liberian Dollar equivalent, will attract a fee not exceeding one percent.
For transactions above USD 2,000.00, or its Liberian Dollar equivalent, a flat fee of no more than USD 25.00 will be charged per transaction.
The CBL emphasized that these charges represent maximum allowable fees and are standardized across all participating service providers.
The Bank also noted that the Pay Na-Na system will be available 24 hours a day, ensuring uninterrupted access to instant digital payments.
The Central Bank of Liberia says 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.
