Payments Built for East African Businesses
Accept Mobile Money, bank transfers, and card payments. Same-day settlements to your account.
Open a Business AccountSee how it worksSupported Payment Methods
Accept payments from all major mobile money networks and banks across East Africa
Everything You Need to Accept Payments
A complete payment infrastructure built for East African businesses. From collections to analytics, we have you covered.
Collections
Accept payments via mobile money and bank transfers. Funds settle directly to your merchant account with real-time notifications.
Payouts
Send money to any mobile money wallet or bank account. Schedule bulk payouts and track every transaction in real time.
Payment Links
Create and share payment links in seconds. No code required. Accept payments via WhatsApp, email, or social media.
Developer APIs
Robust REST APIs with SDKs in PHP, Laravel, Node.js, Python, and JavaScript. Build custom payment experiences in minutes.
Webhooks
Receive instant event notifications for every transaction. Configure retry logic and monitor webhook delivery status.
Analytics
Comprehensive dashboards with transaction trends, revenue insights, customer behavior, and downloadable reports.
Security
Bank-level encryption, PCI DSS compliance, two-factor authentication, and advanced fraud detection on every transaction.
Merchant Dashboard
A beautiful, intuitive dashboard to manage transactions, view balances, configure settings, and monitor business growth.
Grow Your Business with ObPay Loans
Access fast, flexible business financing based on your transaction history. No collateral required for qualified merchants. Apply in minutes, receive funds in hours.
Business Growth Loan
Expand your inventory, open a new location, or invest in equipment. Designed for established businesses processing payments through ObPay.
Working Capital Loan
Bridge cash flow gaps between payables and receivables. Get quick access to funds based on your ObPay transaction history.
Merchant Advance
Instant advances based on your daily transaction volume. Repay automatically from a percentage of your incoming payments.
Enterprise Loan
Large-scale financing for established enterprises. Custom repayment structures, dedicated account manager, and priority processing.
How ObPay Loans Work
Check Eligibility
Login to your ObPay dashboard and visit the Loans section. Your eligibility is automatically calculated based on your transaction volume and history.
Apply in Minutes
Select your loan product, enter the amount, and submit. No paperwork — we use your ObPay transaction data for instant assessment.
Receive Funds
Once approved, funds are credited directly to your ObPay wallet or bank account within hours. Repayment is automated from your daily collections.
Get Started in 4 Simple Steps
From signup to your first payment in under an hour. We handle the complexity so you can focus on your business.
Create Account
Sign up in minutes with your email and business details. No credit card required.
Complete KYC
Upload your ID and business documents. Verification completed within 24-48 hours.
Get API Keys
Receive your unique merchant ID, public key, secret key, and webhook secret automatically.
Go Live
Start collecting payments and sending payouts. Use payment links or integrate the API.
The People Behind Every Transaction
These are real business owners across Uganda who use ObPay every day to collect payments, pay suppliers, and grow their businesses.
John Bosco
Fresh Produce Vendor, Nakasero Market
“Before ObPay, I lost sales because I could not take mobile money reliably. Now every customer pays me in seconds, and the money is in my account before they leave the stall.”
Grace Auma
Logistics Partner, Swift Deliveries
“I used to chase clients for cash on delivery. Now I send them a payment link before I even leave the warehouse. Payment confirmed, package delivered, no stress.”
Dr. Rebecca Nantale
Nantale Community Pharmacy, Entebbe
“Patients used to walk away when we did not have their preferred payment method. ObPay lets them pay with MTN, Airtel, or bank transfer. Our revenue went up 35% in two months.”
Moses Okello
Independent Transport Operator
“No more fake mobile money messages. ObPay confirms the payment instantly on my phone. I have not been scammed once since I started using it six months ago.”
Active Merchants
Transactions Processed
Uptime Guarantee
Countries Supported
Your Money Is Safe With Us
ObPay is built on enterprise-grade security infrastructure. We protect your business and your customers with the same standards used by major global banks.
Active Merchants
Processed Annually
Uptime SLA
Countries
PCI DSS Compliant
Your customers' payment data is protected under the highest industry security standards for payment card processing.
AES-256 Encryption
All data is encrypted at rest and in transit using bank-grade AES-256 encryption protocols.
Two-Factor Auth
Mandatory 2FA for all merchant accounts. Your business funds are protected with an additional security layer.
Fraud Detection
Real-time AI-powered fraud monitoring on every transaction. Suspicious activity is flagged and blocked instantly.
Data Residency
All customer data is stored on secure servers within East Africa, complying with regional data protection regulations.
24/7 Monitoring
Round-the-clock security operations center monitoring for threats. Incident response within minutes, not hours.
Built for Regulatory Confidence
ObPay operates with a comprehensive compliance framework covering KYC, AML monitoring, risk management, and data protection. Every merchant and every transaction goes through our compliance pipeline.
Registration
Merchant signs up with email, phone, and business details
KYC Upload
National ID, business address, and company documents submitted
Manual Review
Compliance team verifies documents within 24-48 hours
Approval
Verified merchants receive API keys and can begin collecting payments
Ongoing Monitoring
All transactions monitored in real-time with automated AML checks
Mandatory KYC Verification
Every merchant completes identity verification before processing a single transaction. We collect national ID, business registration, and physical address — all reviewed manually by our compliance team.
AML Transaction Monitoring
Automated systems scan every transaction for suspicious patterns: unusual amounts, frequency anomalies, and rapid successive failures. Flagged transactions are escalated for human review within minutes.
Risk-Based Controls
Configurable transaction limits, platform fee oversight, and maintenance-mode kill switches give us full control. High-risk activities are automatically throttled until verified.
Audit Trail & Record Keeping
Complete, immutable logs of every transaction, KYC approval, settings change, and admin action. Exportable reports available for regulatory audits at any time.
Regulatory Alignment
Our framework is designed in alignment with Bank of Uganda AML/CFT guidelines, East African financial regulations, and FATF recommendations for payment service providers.
Fraud & Data Protection
AES-256 encryption, mandatory two-factor authentication on all merchant accounts, HMAC-signed webhooks, and AI-powered fraud detection protect every payment end-to-end.
Compliance documentation available on request
We provide our full compliance policy, AML procedures, data protection framework, and incident response plan to partners and regulators. Our team is always available to discuss specific requirements.
Connected to Every Major Bank in East Africa
ObPay is integrated with all major banks and mobile networks across Uganda and East Africa. Your customers can pay from any bank account or mobile wallet.
Stanbic Bank
Commercial Bank
Equity Bank
Commercial Bank
GTBank
Commercial Bank
Absa Bank Uganda
Commercial Bank
DFCU Bank
Commercial Bank
Centenary Bank
Commercial Bank
PostBank Uganda
Commercial Bank
Housing Finance Bank
Commercial Bank
MTN Uganda
Mobile Network
Airtel Uganda
Mobile Network
Standard Chartered
Commercial Bank
Bank of Baroda
Commercial Bank
What Business Leaders Say
“ObPay has been instrumental in scaling our retail operations. Their loan program helped us open three new locations in Kampala within six months.”
Patrick Tumwine
Managing Director, Fresh Mart Uganda
Kampala, Uganda
“We switched from our previous payment provider to ObPay and saw an immediate 40% reduction in failed transactions. The API integration was seamless and their support team is exceptional.”
Dr. Amina Hassan
CEO, MedPay East Africa
Nairobi, Kenya
“As a growing logistics company, ObPay's working capital loans have been a game changer. We can now pay our drivers instantly and scale operations without cash flow stress.”
Samuel Owino
Founder, Swift Logistics
Kampala, Uganda
Plus 15+ more banks and mobile money networks — and we are adding more every quarter
Trusted by 2,000+ Businesses
From startups to enterprises, businesses across East Africa rely on ObPay to power their payments.
Sarah Nakato
CEO, Kampala Mart
“ObPay transformed how our e-commerce store accepts payments. Integration took under 3 hours, and our conversion rate improved by 35%. The dashboard is incredibly intuitive.”
David Ochieng
CTO, FinFlow Kenya
“As a fintech startup, we needed a reliable payment partner. ObPay's API is clean, well-documented, and their webhook system is rock solid. Customer support responds within minutes.”
James Mutebi
Operations Manager
“We process thousands of payouts monthly to our delivery partners. ObPay's bulk payout feature saves us hours every week. The real-time tracking gives us complete visibility.”
Grace Auma
Director, Auma Consulting
“The payment links feature alone has been a game changer for our consultancy. We create links for invoices in seconds and clients pay instantly. No more follow-up calls.”
Peter Kagwa
Finance Lead, TechHub Uganda
“Moving from our previous provider to ObPay was seamless. Their onboarding team guided us through every step. Transaction fees are transparent with no hidden charges.”
Ruth Nalwoga
Lead Developer, PaySwift
“We built our entire payment infrastructure on ObPay's APIs. The sandbox environment made testing effortless, and going live was just a toggle switch. Highly recommended.”
Ready to Power Your Payments?
Join 2,000+ businesses already using ObPay to accept payments across East Africa. Start for free today.
Frequently Asked Questions
Everything you need to know about ObPay. Can not find what you are looking for? Contact our support team.
ObPay supports MTN Mobile Money, Airtel Money, and direct bank transfers across East Africa. We are connected to major banks including GTBank, Stanbic Bank, Equity Bank, Absa, DFCU Bank, Centenary Bank, PostBank, and Housing Finance Bank. Additional mobile networks and banking partners are being added regularly.
Most developers complete a basic integration within 2 hours. We provide SDKs for PHP, Laravel, Node.js, JavaScript, and Python, along with comprehensive documentation, request/response examples, and a sandbox environment for testing before going live.
ObPay uses simple tiered pricing on payouts and withdrawals — no setup fees, no monthly minimums. For amounts between 500 and 70,000 UGX, the fee is a flat 2,000 UGX. For amounts between 70,001 and 5,000,000 UGX, the fee is 3%. Collections are always free. Volume discounts are available for businesses processing over UGX 50 million monthly. Contact our sales team for custom enterprise pricing.
After registration, you will be redirected to the KYC page where you provide your company name, country, business address, and national ID number. You will also upload the front and back of your national ID. Our team reviews applications within 24-48 hours. Once approved, all payment features are unlocked automatically.
Absolutely. ObPay uses bank-level AES-256 encryption for all data in transit and at rest. We are PCI DSS compliant, implement two-factor authentication, advanced fraud detection, and regular security audits. API credentials are hashed and never stored in plain text.
ObPay has a comprehensive compliance framework. Every merchant must complete mandatory KYC verification — including national ID upload and business address confirmation — before processing any transactions. All documents are manually reviewed by our compliance team. We run automated AML monitoring on every transaction to detect suspicious patterns, maintain complete audit trails of all financial activity, and operate in alignment with Bank of Uganda AML/CFT guidelines and FATF recommendations for payment service providers.
Yes! Our Payment Links feature lets you create secure payment URLs directly from your dashboard in seconds. Simply enter the amount, currency, description, and optional redirect URL. Share the link via WhatsApp, email, SMS, or social media. No coding required.
Webhooks allow your application to receive real-time notifications when events occur, such as successful payments, failed transactions, or completed payouts. You configure a webhook URL in your dashboard, and we send signed POST requests with event data. Each webhook includes a signature for verification using your webhook secret.
ObPay currently supports Ugandan Shilling (UGX), Kenyan Shilling (KES), Ghanaian Cedi (GHS), and Central African CFA Franc (XAF). We are actively working to add more currencies as we expand across the African continent.
Let's Start a Conversation
Whether you have questions about integration, pricing, or need enterprise support, our team is here to help.
Headquarters
Fortportal Rubona
Uganda