UMVA Pay Wallet Payment Gateway API Docs Get Started

UMVA Pay

Payment Gateway & Digital Wallet System

Complete payment infrastructure for businesses and individuals. Accept payments via cards, mobile money in 10+ African currencies, and stablecoins. Manage multi-currency wallets with the lowest fees on the market.

Start Accepting Payments View API Docs

Why Choose UMVA Pay?

Industry-leading payment solution with clear pricing and powerful features

Lowest Fees on Market

0.6% on select currencies, 2.7% on others. Free transfers between UMVA wallets. No hidden charges.

Pan-African Coverage

Accept mobile money in RWF, UGX, KES, TZS, GHS, NGN, XOF, XAF, ZMW, and more. One integration for all.

Multi-Currency Wallet

Manage USD, EUR, GBP, and 10+ African currencies in one wallet. Instant currency exchange.

Crypto Payments

Accept USDT, USDC, and major stablecoins. Instant settlement with low blockchain fees.

Developer Friendly API

RESTful API with SDKs for PHP, Python, Node.js. Webhooks, test mode, and comprehensive documentation.

Bank-Level Security

PCI DSS compliant, 3D Secure, fraud detection, and end-to-end encryption. Your funds are safe.

Clear, Transparent Pricing

The most competitive rates in the industry

Detailed Fee Breakdown

Currency Fixed Charge Percentage Fee Example (100 units) UMVA Wallet Transfers
USDT.TRC20 0 0.6% 0.6 FREE
USDT.BEP20 0 0.6% 0.6 FREE
KES 0 3.9% 3.9 FREE
GHS 0 3.9% 3.9 FREE
XOF 0 3.9% 3.9 FREE
NGN 0 3.9% 3.9 FREE
MWK 0 3.9% 3.9 FREE
ZMK 0 3.9% 3.9 FREE
USD 0 4.6% 4.6 FREE
RWF 0 2.7% 2.7 FREE
UGX 0 3.9% 3.9 FREE
TZS 0 3.9% 3.9 FREE
XAF 0 3.9% 3.9 FREE
ZMW 0 3.9% 3.9 FREE

Quick Integration

Start accepting payments in minutes

  • Create Account

    Sign up for free and complete verification to access merchant features.

  • Get API Keys

    Access your public and secret keys from the dashboard. Test mode available.

  • Integrate API

    Use our SDKs or REST API to create payments, handle webhooks, and manage transactions.

  • Go Live

    Switch to production mode and start accepting real payments with instant settlement.

Ready to Transform Your Payments?

Join thousands of businesses and individuals using UMVA Pay for seamless transactions

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