An open wallet
Receive and send money through Mobile Money, banks and cards from one experience.
Pan-African financial infrastructureThe financial infrastructure
The financial infrastructure
helping Africa grow.
Uppay enables individuals and businesses to pay, transfer and collect money across Africa and around the world.
Maximum security
End-to-end encryption
Fast & reliable
Real-time transactions
Built for Africa
Connected to the continent and the world
Trusted byOrange MoneyMTNVISAmastercard.airtelEcobank
One infrastructure, three uses
What the platform lets you do, concretely
Whether you're an individual, a business or a developer, Uppay adapts to your use case without changing infrastructure.
Why Uppay
More than a payment method: one connected financial experience
Uppay brings together services that are currently spread across multiple solutions and connects them to the real needs of individuals, businesses and platforms.
Everyday services
Pay bills, buy airtime and data, then track every operation in one place.
Automated actions
Schedule payments, savings, reminders and approvals based on rules chosen by the user.
Payments linked to activity
Connect orders, payments and deliveries to give the entire operation one clear reference.
Smart support
An immediate answer, a human whenever needed
The assistant answers common questions at any time. When a request needs a decision, review or guidance, the full conversation is handed over to an advisor.
Talk to our team01
Immediate answer
The assistant clearly explains products, fees, transfers and procedures.
02
Human handoff
The customer requests an advisor or the assistant escalates sensitive cases.
03
Centralised follow-up
The team receives the full context and continues the conversation in Chatwoot.
The assistant informs and guides. It never approves a sensitive financial operation on its own and never asks for a secret code.
Universal Send
Send money without worrying about the network
You enter the recipient and the amount. Uppay picks the most suitable rail behind the experience — there's nothing for you to configure.
One experience, any recipient
Fastest rail, selected automatically
Real-time tracking, proof included
Secure and reliable, meets international standards
Send money
Recipient
Moussa Traoré
Amount
50,000 FCFA
XOFMobile MoneyBank transferUppay WalletCard
Uppay selects the optimal rail
Fast • Secure • Affordable
Transfer confirmed in 8 seconds
You'll be notified at every step
One platform, three journeys
Every flow finds the right path
Uppay brings collections, bulk payments and integrations into one clear experience — then lets you explore only what matters to you.
Real-time orchestration
01
Collect
Get paid without multiplying tools
Centralize customer payments across every supported channel.
Business solutions02
Distribute
Pay at scale, stay in control
Payroll, suppliers or partners: one batch, individual tracking.
View Bulk Payments03
Build
Integrate once, evolve from there
One API to connect wallets, payments and transfers.
Explore the APIsBusiness use case
From your file to the last beneficiary, everything stays traceable
A concise preview on the homepage, a complete cockpit in the Business area.
CSV or API import
Approval workflow
Built-in controls
Actionable history
Uppay Business
Supplier batch · August
Beneficiaries
1 284
Total amount
182,4 M
Estimated fees
364 800
AKSent
125 000 FCFA
Mobile Money
YCSent
1 840 000 FCFA
Bank account
MDPending
95 000 FCFA
Uppay Wallet
Every payout retains its own status
View detailsPan-African vision
Built in Côte d'Ivoire, designed for Africa
We're starting in Côte d'Ivoire to build a solid foundation, before extending the infrastructure to UEMOA, then to Africa and international corridors.
Côte d'IvoireSenegalComing soonMaliComing soonBurkina FasoComing soonBeninComing soonTogoComing soonNigerComing soonGuinea-BissauComing soon
Ready to connect your money to a single infrastructure?
Request early access or become a partner to help us build Africa's financial infrastructure.