All market guides

Myanmar

Myanmar’s payment landscape in 2026 is mobile-first, with digital wallets and local bank transfers leading how consumers pay. Alternative payment methods account for around 99% of transaction volume, with limited reliance on credit and debit cards. For merchants, integrating with local wallet ecosystems is key to reaching consumers and unlocking growth in Myanmar’s expanding digital economy.

ATOM

44%

ATOM44%

WavePay

33%

WavePay33%

Oredoo

15%

Oredoo15%

*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025

Impact figures

90%

Android users

10%

iOS users

2%

Credit & Debit Card ownership

620.6M

App downloads in 2025

34.1M

App revenue (USD) in 2025

Insights

Digital wallets

Myanmar is a dominant Android market reducing the efficacy of Apple Pay to some degree in enabling online payments.

Cards

Credit & Debit cards have very low penetration in-market, reducing the effectiveness of this channel and likely overlapping significantly with the Apple user population.

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