Collect and pay in Uganda, one platform.
EQPay Finance helps businesses in Uganda with seamless local banking rails. One integration, one dashboard, settled to your bank every day.
- School fees, Term 3 + 450,000 Pending
- School fees, Term 3 + 1,200,000 Settled
- Staff salaries, 38 people − 21,450,000 Settled
- Uniform supplier − 3,100,000 Settled
Everything a business needs to move money on mobile
Most of your customers, staff and suppliers pay and get paid on their phones. EQPay gives you the tools to do both without building a connection to each network yourself.
Collections
Ask a customer to pay and they approve it on their own phone with their PIN. Every payment lands in your EQPay balance and you're told the moment it succeeds.
- Payment API for your app or website
- Hosted checkout page
- Payment links you can send by SMS or WhatsApp
Payouts
Send money to any MTN or Airtel number, one at a time or hundreds at once. Each recipient's registered name is shown before you release a payment.
- Salaries and casual wages
- Supplier and agent payments
- Refunds and beneficiary disbursements
Business dashboard
See every payment as it happens, download statements and keep control of who can send money.
- Real-time transactions and balances
- Two-person approval for bulk payouts
- Team roles and API key management
Settlement
Money you collect is settled to your bank account or mobile money wallet on a schedule you agree with us, with a statement that reconciles every shilling.
- Daily settlement by default
- Prefund payouts by bank transfer or mobile money
- Exportable reports for your accountant
How a collection works
From the moment you request a payment to the money reaching your bank.
You request a payment
Through the API, checkout page or a payment link, with the amount and the customer's number.
Your customer gets a prompt
Their phone shows your business name and the amount to pay.
They approve with their PIN
The network confirms the payment and your customer receives an SMS receipt.
You're paid
Your balance is credited instantly and settled to your bank on schedule.
Payouts work the other way round
Top up your balance, upload a list or send a request through the API, approve it, and each person receives the money on their phone with an SMS confirmation. If a number can't receive, the money comes straight back to your balance with the reason shown.
If a payment doesn't go through
If a customer declines the prompt or doesn't respond in time, no money moves. You're notified straight away and can send the request again.
Built around how Ugandan businesses actually get paid
A few of the problems we take off your hands.
School fees
Parents pay from any network and the bursar sees each payment matched to a student reference.
Online and retail sales
Take payment at checkout or by link, with no cash to count at the end of the day.
Payroll and casual wages
Pay a whole team in one upload instead of hours of individual transfers.
Riders and field agents
Send daily or weekly earnings and commissions to people across the country.
NGO disbursements
Reach beneficiaries directly, with a full record of every payment for your donors.
SACCOs and savings groups
Collect member contributions and pay out loans without handling cash.
One API for every network
Integrate once and accept payments from MTN Mobile Money and Airtel Money customers through the same calls.
- Simple REST API with clear status updates
- Webhooks the moment a payment succeeds or fails
- A sandbox to test every scenario before you go live
- Idempotent requests, so a retry never charges twice
POST /v1/collections
{
"amount": 450000,
"currency": "UGX",
"phone": "2567XXXXXXXX",
"reference": "FEES-T3-0412",
"description": "School fees, Term 3"
}
// Webhook to your server
{
"event": "collection.succeeded",
"reference": "FEES-T3-0412",
"network": "MTN",
"amount": 450000
}Your money and your customers' data, handled carefully
We check who we work with, watch how money moves and keep your funds apart from ours.
We verify every business
Before going live, each business is checked: registration documents, directors, owners and what it sells. We don't work with businesses we can't verify.
Your funds are kept separate
Money we collect for you is tracked separately from EQPay's own funds and is never used to run our business.
Unusual activity is reviewed
Every transaction is monitored, and anything unusual is checked by our compliance team before it goes further.
Data is protected
We follow Uganda's Data Protection and Privacy Act, 2019. Data is encrypted in transit, and dashboard access uses two-factor sign-in.
Ready to collect and pay out on mobile money?
Tell us about your business and we'll take you through onboarding.