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.
How It Works
Get started with UMVA in just a few simple steps
Create Your Account
Sign up in less than 2 minutes. No credit card required for basic features.
Verify Your Identity
Complete KYC verification to unlock all features and higher transaction limits.
Fund Your Wallet
Add money via bank transfer, card payment, or mobile money. Instant crediting.
Start Using Services
Access wallet, payments, hosting, SMS, and all other services immediately.
Why Choose UMVA Over Others
See how we stack up against traditional solutions and competitors
Features |
UMVA
Recommended
|
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.
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.
Educational Institutions
Collect tuition fees, manage student communications, host e-learning content, and automate staff payroll.
Hospitality & Tourism
Process bookings, send confirmations, manage customer wallets for loyalty programs, and handle staff payments.
Healthcare Providers
Accept patient payments, send appointment reminders, manage medical records hosting, and payroll automation.
Logistics & Delivery
COD payments, driver wallets, automated SMS tracking updates, and comprehensive fleet management.
NGOs & Non-Profits
Crowdfunding campaigns, donor management, transparent fund tracking, and automated receipt generation.
Don't see your industry? We've got you covered.
Contact SalesWhat 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.
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
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PCI DSS Level 1
Payment Card Industry Data Security Standard certified
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ISO 27001
Information security management system certified
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GDPR Compliant
Full compliance with data protection regulations
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SOC 2 Type II
Audited for security, availability, and confidentiality
Security Measures
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24/7 Monitoring
Round-the-clock security monitoring and threat detection
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Regular Audits
Quarterly security audits by independent third parties
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Fraud Prevention
AI-powered fraud detection and prevention systems
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Secure Infrastructure
Hosted on secure, redundant cloud infrastructure
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.
Refer & Earn Rewards
Share UMVA with your network and earn generous commissions for every successful referral
Sign Up & Get Your Link
Create your account and get your unique referral link instantly
Share Your Link
Share with friends, family, and on social media platforms
Earn Commissions
Get paid when your referrals sign up and use our services
Why Join Our Referral Program?
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High Commission Rates
Earn generous commissions on every transaction from your referrals
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Lifetime Earnings
Continue earning as long as your referrals use our platform
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Real-time Tracking
Monitor your referrals and earnings in your dashboard
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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 EarningWhat 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.
This payment gateway is incredibly smooth and developer-friendly. Integration was a breeze, and the support team is top-notch!
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
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