Unipesa. Financial Platform as a service

About us

Unipesa enables fintech companies, payment providers, agent networks, banks, and government institutions with the tools and network to grow.

Launch, expand, and add revenue — without time-consuming and costly in-house development or maintenance. With Unipesa you can:

Launch payments, remittances, lending, and more.
Aggregate multiple payment and communications channels in one platform.
Track transactions in real time and manage risks.
Rely on us for tech, merchant support, and reconciliation.
Add revenue, clients, and regions into your existing tech.
Join a network to grow merchants and volumes.
Enter new markets faster, with lower cost.

25+ active PSPs and fintech companies, all running on our infrastructure.

180 integrated payment channels, including Mobile Money, Bank Transfers, Visa/Mastercard.

1K+ agents and merchant outlets — from rural kiosks to nationwide chains.

100M+ transactions processed every month.

The hard part is done.
You just plug In.

Our infrastructure is live across 21+ African markets. We handle the integrations, technical support, security — so you can go live faster and with confidence.

With Unipesa, you enter markets where the demand is proven — and the rails are ready.

Country: Kenya

Clear
Kenya
DR Congo
Angola
Nigeria
Zambia
South Africa
Benin
Botswana
Burkina Faso
Burundi
Cameroon
Egypt
Ghana
Guinea
Ivory Coast
Malawi
Republic of the Congo
Rwanda
Senegal
Sierra Leone
Tanzania
Togo
Uganda
Mali

A full-stack toolkit for running
modern financial services.

Payment platform

Orchestrate payments across Africa — fast, secure, compliant. Multi-channel payment gateway (bank, mobile money, wallets), with built-in reconciliation, fraud prevention, and full transaction visibility.

POS platform

Build your POS agents network or process cashless payments for retail or both. Distribute POS terminals and mobile apps via agents and retail outlets. Enable cash-in, cash-out, and QR-based cashless payments for any business — and earn from every transaction..

Wallet Platform

Launch branded digital wallets for end users or SMEs, with full account control and KYC options. Enable cross-border remittance services for individuals. Grow your branded wallet across your regions

Lending platform

Offer BNPL, SME loans, or microfinance solutions — fully integrated with risk scoring, repayments, and disbursements.

Communication platform

Multi-channel messaging gateway to connect businesses with customers across Africa. Provide your merchants with an easy way to send Transactional and Marketing Bulk SMS, Whatsapp messages and notifications — and earn on every message delivered.

New revenue streams are already in reach.

Unipesa helps you tap into scalable, local-first financial services — without building from scratch.

Launch fast — with no tech and ops team required

Start your payment or fintech business in weeks, not months. Unipesa provides a full white-label platforms — ready to go on day one. No coding. No hiring expensive developers. You focus on your business, use your business network — we handle the tech and operations.

Open new revenue streams — expand with Unipesa products

Grow beyond your current service. Unipesa gives you ready-to-use products for additional verticals: SMS messaging, POS agent networks, lending, data services, and more. Seamlessly launch new services on top of your existing business — and unlock powerful new revenue streams.

Expand across Africa and beyond

Unipesa connects you instantly to 250+ payment channels — banks, cards, mobile money, wallets, alternative methods — across 20+ African countries. Go cross-border and reach customers wherever they are.

Monetize every transaction

Grow your revenue with Unipesa’s proven revenue share model. Partners scale fast — with low upfront costs and no hidden fees. We only succeed when you do.

Grow with us

Unipesa Ecosystem assists in growth connecting to the existing SMEs, providing leads, payment channels and business opportunities.

Stay secure and compliant

Operate with confidence: our products are ISO127001 and PCI DSS certified, use advanced AI-based fraud prevention, and continuously updated risk management tools — so you stay protected and compliant in every market.

Scale rapidly — your current fintech business with unlimited potential

Whether you're a startup, established payment company, or a bank entering new markets — Unipesa offers scalability within its products with local market and technical expertise. We help partners achieve sustainable, long-term growth.

Do payment processing business — tap into a multi-trillion-dollar industry

Enter one of the largest industries in the world. With Unipesa, you can build and scale your own payment processing business — earning on every transaction in a market worth trillions. No need to develop complex tech — we give you the full stack to succeed.

Join Unipesa and transform the way you do digital finance.

Become a partner

Who we work with —
and what you can build.

Payment companies and PSPs

Launch new services quickly with our integrated infrastructure. Add local channels, offer better pricing, and go live fast.
Agent networks and retail chains

Turn your locations into full-service financial hubs. Accept all major local payment types from a single interface.
Banks and Microfinance institutions

Digitize your lending, collections, and customer onboarding — without building or hiring tech teams. Digitize your banking services.
Government

Enable compliant digital payments for taxes, subsidies, utilities, and more — with full audit trails and citizen onboarding.

CEO & Founder

ZoykPay (Zambia)

CEO & Founder

Bitlipa (Kenya)

СОО

Amways

DRC Country Manager

AvadaPay

Aligned with your growth.
Simple, fair, and transparent.

We don’t charge per API call or force you into long-term licenses. You pay once to launch — and we earn when you do, through simple revenue sharing. We handle the heavy lifting.

Talk to sales

Financial Platform
as a service

About us

The hard part is done.
You just plug In.