La Poste Tunisienne's e-Dinar and D17 Explained

La Poste Tunisienne is one of the oldest players in Tunisian digital payments. Its e-Dinar cards were used for online purchases years before most banks offered e-commerce, and its D17 app now sits alongside bank wallets and fintech apps. This guide explains what e-Dinar and D17 are, how they fit into the payment system and what remains unclear.

La Poste as a financial institution

La Poste Tunisienne is the trade name of the Office National des Postes (ONP), a public industrial and commercial enterprise. Besides mail, it runs postal current accounts (CCP) and savings products. French-language Wikipedia puts the number of savers at about 3.87 million and postal current account holders at about 1.75 million, without stating the year, so these figures should be read as indicative.

For many Tunisians without a bank account, the post office is the nearest financial service. That is why the Banque Centrale de Tunisie (BCT) addresses its payment rules to "banks, the Office National des Postes and payment institutions" together. In 2026, BCT measures such as the TUNPAY mobile payment label and the circular making school fees payable only through digital channels, including postal cards, applied to La Poste as well. For the broader inclusion picture, see our article on financial inclusion in Tunisia.

What is e-Dinar?

e-Dinar is La Poste's family of electronic payment products:

• 2000: La Poste sets up the e-Dinar system for online payment.
• 2003: the product becomes the "e-Dinar universel".
• End of 2008: La Poste launches the e-Dinar Smart card.
• La Poste later added the e-DINARPOST card for CCP holders.

e-Dinar cards can be topped up and used to pay online, which made them popular with people who had no bank card. Online merchants, including the payment gateways run by fintechs such as Paymee, Konnect and Flouci, list e-Dinar cards among accepted methods.

La Poste has also partnered with microfinance institutions. In 2016 it launched the Mobitamweel card with Enda Tamweel, and it later co-branded the MobiTamkeen card with Zitouna Tamkeen through its Mobiposte platform. See our article on microfinance in Tunisia.

e-Dinar on the merchant side

La Poste runs its own e-commerce acceptance service, separate from the banks' ClicToPay platform operated by the Société Monétique Tunisie (SMT). According to a guide by the Tunisian host Novahoster:

• a merchant needs a postal current account, an affiliation contract and an electronic certificate from TunTrust;
• the e-Dinar merchant kit accepts e-Dinar cards and international Visa and Mastercard;
• the guide lists, alongside e-Dinar, a Mastercard Payment Gateway Services (MPGS) option introduced in 2020 for national and international cards with 3-D Secure.

UNCTAD figures cited in the same guide show the scale: at the end of 2020, 652 sites were affiliated to e-Dinar, handling 1.6 million transactions worth about 65 million dinars. ClicToPay had about 1,800 sites, 4.8 million transactions and 275 million dinars. UNCTAD also noted difficulties paying with bank cards on e-Dinar sites at the time. More recent figures by provider are not published. For merchant options, see our guide to e-commerce payments in Tunisia.

What is D17?

D17 is La Poste's mobile app. It serves as a payment and transfer interface for holders of e-Dinar accounts and as a payment method for online merchants. A June 2025 note on Tunisia's mobile payment boom listed D17 alongside Flouci as one of the local solutions driving growth.

According to the Novahoster guide, since July 2025 the e-Dinar wallet can be opened free of charge at post offices with a national ID card and a phone number, and is valid for ten years. We could not find La Poste's own announcement of this change, so check the terms at a post office.

What is missing is data. La Poste does not appear to publish user or transaction figures for D17. The BCT's payment bulletins give totals for all mobile wallets, 512,000 active wallets in the first half of 2026, but do not split them by issuer. Market share claims about D17 should therefore be treated with caution. Our overview of mobile payments in Tunisia gives the market totals.

Why it matters

La Poste matters to Tunisian fintech in three ways:

1. Reach. Post offices serve people that banks and fintechs struggle to reach; merchant guides note that e-Dinar cards are common among students.
2. Acceptance. Any merchant gateway that ignores e-Dinar cards leaves out part of its potential customers.
3. Competition and partnership. La Poste is both a competitor to fintech wallets and a possible partner, since BCT rules allow facilitators to work with the ONP as well as banks.

Open questions

The main uncertainty is transparency. Without published D17 numbers, it is hard to judge whether La Poste's wallet is growing as fast as the market. The other question is interoperability: as the BCT pushes a common TUNPAY identity for all wallets, the real test will be whether a D17 user can pay any merchant and send money to any other wallet as easily as within the postal system. Information here is current as of October 2026.