UPAY was established to provide new thinking to how business transactions occur between merchant and customer in different industries.
 

UPAY is a leading branded Mobile electronic payment collection network used, primarily, for the cash payment of bills and services and prepayments for mobile telephones and energy meters. UPAY commenced trading in 2009

Retail network

There will be over 6000 outlets using UPAY's payment collection systems by mid 2012. These include Retail Agents / Merchants with UPAY Terminals, with EPoS connections to UPAY systems and some with both a UPAY Terminal and EPoS connectivity. 

Diverse client portfolio

UPAY's Clients include many of the different utility major energy, cable, mobile and fixed line telephony companies. The Client list also extends to local government authorities, housing associations and a growing transport and travel base. Clients pay fees for each payment collected.

Retail agents

UPAY's Retail Agents include convenience stores, newsagents, forecourts, off licences, supermarkets, existing distribution telecom chains.

National coverage

UPAY believes and will strive to create an easy access network that is based on internal mapping systems, that over 95 per cent of Nigerian households are situated within one mile in urban areas or five miles in rural areas of a UPAY Retail Agent / merchant.