Your Complete Digital Business Ecosystem

Wallet, Payments, Hosting, SMS, HRM, Academy, Market, and more - all seamlessly integrated into one powerful platform.

Systems
Go
Servers
Go
Uptime
99.99%

All-in-One Super App Platform

Everything you need to run your digital business in one unified platform

Wallet & Payments

Multi-currency wallet supporting RWF, USD, USDT, and more. Send, receive, and exchange money instantly.

Payment Gateway

Accept payments on your website or app. Integrate with our powerful API in minutes.

Hosting & Domains

Reliable hosting, domain registration, and email services with automated billing.

SMS & Email API

Send OTPs, marketing messages, and notifications via SMS and email.

HRM Solutions

Manage staff, attendance, payroll, and automate salary payments.

UMVA Lab

SEO tools, analytics, and AI-powered developer solutions.

UMVA Market

Premium scripts and digital products exclusively developed by UMVA Developers - 100% trusted.

UMVA Academy

Professional courses exclusively created by UMVA team - verified quality education.

Fund Me

Create fundraising campaigns and receive donations easily.

Buy Me a Coffee

Quick peer-to-peer tips and creator support widget.

UMVA MAG

Tech news, innovation updates, and ecosystem insights.

📋 Simple Process

How It Works

Get started with UMVA in just a few simple steps

1

Create Your Account

Sign up in less than 2 minutes. No credit card required for basic features.

2

Verify Your Identity

Complete KYC verification to unlock all features and higher transaction limits.

3

Fund Your Wallet

Add money via bank transfer, card payment, or mobile money. Instant crediting.

4

Start Using Services

Access wallet, payments, hosting, SMS, and all other services immediately.

⚖️ The Difference

Why Choose UMVA Over Others

See how we stack up against traditional solutions and competitors

Features
UMVA
Traditional Banks Other Platforms
All-in-One Platform
Multi-Currency Support
Instant Transactions
API Access
Hosting & Domains
SMS & Email API
HRM & Payroll
Learning Platform
Transaction Speed Instant 1-3 days Instant
Setup Time 2 minutes 2-4 weeks 24 hours
24/7 Support
Unified Dashboard

Approve more transactions

Experience more approvals on every single payment with local and global payment processing, data-driven optimizations, and powerful risk management. All within a fully connected single payments system.

Currencies Accepted

Accepts multiple currencies including local and international (e.g. RWF, USD, EUR, KES, UGX, AUD, SLL, NGN, ZAR, EGP, GBP, etc.).

Payment Types Accepted

Supports mobile money, wallet-to-wallet transfers, card payments, bank transfers, and QR code-based payments.

Merchant Control Panel

Easily manage transactions, view reports, generate QR codes, and configure payment settings in a secure dashboard.

💼 Industries We Serve

Built for Every Business

From startups to enterprises, see how businesses use UMVA to scale

E-commerce & Retail

Accept payments online, manage inventory, send SMS notifications to customers, and track sales analytics.

Payment Gateway SMS Alerts Analytics

Educational Institutions

Collect tuition fees, manage student communications, host e-learning content, and automate staff payroll.

Fee Collection Email/SMS Hosting

Hospitality & Tourism

Process bookings, send confirmations, manage customer wallets for loyalty programs, and handle staff payments.

Booking Payments Loyalty Wallets HRM

Healthcare Providers

Accept patient payments, send appointment reminders, manage medical records hosting, and payroll automation.

Patient Billing Reminders Secure Hosting

Logistics & Delivery

COD payments, driver wallets, automated SMS tracking updates, and comprehensive fleet management.

COD Handling Driver Wallets SMS Tracking

NGOs & Non-Profits

Crowdfunding campaigns, donor management, transparent fund tracking, and automated receipt generation.

Fund Me Donor Receipts Transparency

Don't see your industry? We've got you covered.

Contact Sales
Our Services

What we serve our customer

Comprehensive payment solutions designed to empower users, merchants, and businesses with secure, scalable, and easy-to-integrate tools

Complete Wallet

Manage your funds, track transactions, and perform all operations from one secure digital wallet.

Money Transfer

Send money instantly to other users or merchants within the system or across platforms.

Email Invoicing

Send professional invoices via email with integrated payment links for easy checkout.

Cash Out

Withdraw funds securely to your mobile money account or bank.

Cash in

Top up your wallet via mobile money, bank transfer, or authorized agents.

Make Payment

Pay instantly using mobile money, wallet balance, or QR code with real-time confirmation.

🔒 Enterprise Security

Bank-Level Security & Compliance

Your data and transactions are protected with industry-leading security measures

SSL Encryption

256-bit SSL encryption for all data transmission

2FA Authentication

Two-factor authentication for enhanced account security

Data Backup

Automated daily backups with 99.99% data durability

KYC/AML

Full compliance with KYC and anti-money laundering regulations

Compliance & Certifications

  • PCI DSS Level 1

    Payment Card Industry Data Security Standard certified

  • ISO 27001

    Information security management system certified

  • GDPR Compliant

    Full compliance with data protection regulations

  • SOC 2 Type II

    Audited for security, availability, and confidentiality

Security Measures

  • 24/7 Monitoring

    Round-the-clock security monitoring and threat detection

  • Regular Audits

    Quarterly security audits by independent third parties

  • Fraud Prevention

    AI-powered fraud detection and prevention systems

  • Secure Infrastructure

    Hosted on secure, redundant cloud infrastructure

PCI DSS
ISO 27001
SSL Secured
SOC 2
Why Choose Us

Why are so many people switching to Umvapay?

Delivering secure, scalable, and user-friendly payment solutions tailored for businesses of all sizes.

Lowest payment processing fees. Period.

Keep more of what you earn with our unbeatable low rates.

No locked-in contracts. Ever.

Stay because you love it, not because you're forced to.

Full transparency. Always.

No hidden fees, no surprises—just clear and honest pricing.

Get your money in less than a day.

Experience lightning-fast payouts with same-day settlement options.

Payment technology that works.

Reliable, secure, and fast—our gateway is built for performance and uptime.

A membership plan with wholesale rates.

Enjoy exclusive pricing with our flexible membership plans tailored to your business.

💰 Earn More

Refer & Earn Rewards

Share UMVA with your network and earn generous commissions for every successful referral

1

Sign Up & Get Your Link

Create your account and get your unique referral link instantly

2

Share Your Link

Share with friends, family, and on social media platforms

3

Earn Commissions

Get paid when your referrals sign up and use our services

Why Join Our Referral Program?

  • High Commission Rates

    Earn generous commissions on every transaction from your referrals

  • Lifetime Earnings

    Continue earning as long as your referrals use our platform

  • Real-time Tracking

    Monitor your referrals and earnings in your dashboard

  • Instant Payouts

    Withdraw your earnings directly to your wallet anytime

Start Earning Today

Join thousands of partners who are already earning passive income through our referral program

Join Now & Start Earning
Our client testimonial

What people say

Hear from developers and business owners who trust our payment gateway every day. Real stories of reliability, speed, and seamless integration.

A rock-solid solution for modern apps. The API is clean, the features are robust, and it just works—exactly what every business needs.

Taylor Otwell

Taylor Otwell

Developer

This payment gateway is incredibly smooth and developer-friendly. Integration was a breeze, and the support team is top-notch!

Jeffrey Way

Jeffrey Way

Laravel Developer

🚀 About UMVA

Your All-in-One Super App Platform

We're building the future of digital business by combining wallet services, payments, hosting, messaging, education, and more into one unified ecosystem.

Our Mission

To democratize access to digital financial services and business tools across Africa by providing an all-in-one super app platform that empowers entrepreneurs, businesses, and individuals to transact, communicate, and grow without borders. We're eliminating the complexity of managing multiple service providers by unifying payments, messaging, domains, and workforce management into one seamless ecosystem.

Our Vision

To become Africa's most trusted super app platform, powering 10 million businesses by 2030. We envision a future where every African entrepreneur has instant access to world-class payment infrastructure, communication tools, and business automation—enabling them to compete globally while staying rooted in their local communities. We're building the operating system for Africa's digital economy.

Our Core Values

The principles that guide everything we do

Innovation

Continuously evolving and improving our platform with cutting-edge technology

Security

Protecting our users with enterprise-grade security and compliance

Customer First

Building solutions that truly solve our customers' challenges

Integrity

Operating with transparency, honesty, and ethical practices

Excellence

Delivering the highest quality in every aspect of our service

Inclusivity

Making digital services accessible to everyone, everywhere

Our payment gateway integrate about 50+ platform.