UNIPESA is a fast growing B2B2C Digital Financial Services Infrastructure Consortium with Headquarters in Dubai, United Arab Emirates with R&D offices in Cyprus, Kenya & Nigeria.

We have developed a Multidimensional Payments & Lending Infrastructure with Robust & Advanced Products, covering all existing transactions channels and tools and, currently, interconnecting the payments and lending markets in more than 10 Countries in the Middle East and Africa Region.

Since inception focus remains– to provide a quality and scalable Infrastructure to enable Businesses to carry hustle free activities across the continent.

AI & ML engineered Payments, Lending & Data Platforms

6 Digital Financial Services Companies and 7 Pos Networks operating at Unipesa Ecosystem across the Middle East and Africa as of July 2022.

50+ Multiple Integrated Payments Channels with Banks, Mobile Money Providers, PSPs across Africa

120,000+ Agents Multilevel Agency & Retail network with Smart POS & Mobile POS, Self Services Kiosks, ATMs connected across Africa

20+ Web and Mobile Payments Engines & Widgets for
E-Commerce companies

10+ KYC & AML Platforms Integrations with Data Hub

10+ Countries in July 2022
20+ Countries by December 2023

Regulatory Compliant Activities
Licensed by the relevant Authorities
Multiple Certifications

Our Technologies are engineered and tailored for the Business Growth of our Partners
Payments Modes
Cash Payments & Management

Money Payments & Transfers

Cards Online & Retail Payments

Virtual Cards Online & Retail Payments

EFT Payments

Digital Currencies Payments

Supported Payments
Online shopping

Public Utilities

Mobile & Land Lines

Internet PayTV

eTickets & mTickets

Government services

P2P2B Money Transfers

Mobile Wallets;

Gaming & Gambling

Loan Repayment

Credit Cards Repayment

Pre Paid cards top up


Other services
General Features
Multi Payment
Credit and debit cards, online and offline bank transfers, eWallets, mWallets, local bank cards, gift and pre-paid cards, domestic Direct Debit, Cash, Cryptos

Domestic , Regional, International payments in over 15 countries in Africa.

Multi Channel
Web/ eCommerce, Mobile/mCommerce, SMS, USSD, QR Code Enabled, NFC Enabled, Biometric Enabled, P2P, POS

Multi Tech
Latest Tech, PCI DSS Compliant, AI & Machine Learning

Multi Branded
Customizable to any merchant, Any bank, card scheme or mobile money, alternative payment brand.

Multi Currency
Dynamic Currency Conversion and multicurrency settlement for any acquirer-supported currency ranging from USD, Euro, Pound and majority of African currencies

Security Features
Cloud based platform with 24/7 live transaction monitoring. Full remote disaster recovery site with fast fail-over. Industry security (PCI DSS) compliance

Data Encryption and access control
o TSL encryption between payer and payment gate and provider
o PCI DSS compliant encryption algorithms inside payment gate
o TSL with client certificates for remote access. Two factor user authentication

Fraud Monitoring
Real Time function Tokenization of Cardholder Data, Custom Fraud Parameters, Configurable Proprietary Risk Rules Engine, Verified by Visa and MasterCard SecureCode Automated Chargeback Disputing

Payer Authentication
Card scheme compliant authentication (SecureCodeTM, VbVTM, J/SecureTM, SafeKeyTM)

Leverages leading payment providers and sophisticated fraud & risk management system..
Products & Solutions
We assist and support our clients to develop their business fast and successfully
Payments Companies
We provide wide options for digitising the activities of the Existing Payments Companies in Africa.

We also provide white label and turn key solutions for the new enters.

Market & UNIPESA Ecosystem access; Transaction and Consumer Data Management ; Advanced Digital Dashboard; Consumer profile and billing schedules ; Process transactions through Multiple channels, including Agency networks Real-time transaction data ; Customised and scheduled reporting
We tailor solutions for Government Agencies.
with advanced Centralised Monitoring systems and Centralsied Payments Switches.

We also provide white label and turn key solution for the existing or new Agency networks.
Retail & Agents
We help Retail Businesses to accept payments through deployment of the Multifunctional Smart Pos terminals enabling with EMV & NFC Cards and other payments options.
We digitise Agents through support for deployment B2B Agents applications and Multifunctional Smart POS.

Unipesa provide white label and turn key solutions for the existing or new Agency networks.
Digital Platforms
Unipesa avails Payment engines to the Marketplaces and other Disruptive Tech Projects to facilitates the cross border expansion without any hassles.
We provide Banks with extensive solutions to expand their presence and reach non Bank populations through various channels

Banking Agency Network Access ; Cross Platforms transactions ;Bulk Payments
Through the Payments companies operating within Unipesa Ecosystem, we Provide Merchants with Gateway & Aggregation access; Pan African Omni channel Payments Processing ; Multi currency Processing & Settlement ; Robust and Features-rich Functionality ; Level 3 PCI DSS Compliant ; Extensive Fraud-management Tools ; Auto reconciliation & settlement ; Customised Solutions ; Comprehensive Integration Tools through single API.
General Line: +971 58 58 99472
Email: info@unipesa.com

25th Floor, SORP Business Centre
Tameem House, Barsha Heights
Dubai, United Arab Emirates
All rights reserved. Copyright UNiPESA 2022
All rights reserved. Copyright UNiPESA 2022
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