Our Mission
uPay is a digital payment solution built to empower individuals and businesses across Kenya. Our goal is to make sending, receiving, and managing money simple, secure, and transparent — connecting traditional finance with the digital age.
How uPay Works
- Deposit Funds: Top up instantly using M-Pesa Paybill 4101627.
- Send Money: Instantly transfer to other uPay users by phone number.
- Receive Payments: Accept payments from uPay or M-Pesa seamlessly.
- Withdraw Funds: Withdraw directly to your M-Pesa wallet.
Every transaction runs through SSL-secured encrypted channels.
Transaction Charges (uPay → uPay)
| Amount Range (KES) | Fee (KES) |
|---|---|
| 1 – 1,000 | 5 |
| 1,001 – 10,000 | 20 |
| 10,001 – 35,000 | 50 |
| 35,001 – 50,000 | 65 |
| 50,001 – 250,000 | 80 |
| 250,001 – 500,000 | 105 |
Withdrawal Charges (uPay → M-Pesa)
| Amount Range (KES) | Fee (KES) |
|---|---|
| 1 – 1,000 | 30 |
| 1,001 – 10,000 | 120 |
| 10,001 – 35,000 | 200 |
| 35,001 – 50,000 | 300 |
| 50,001 – 250,000 | 365 |
| 250,001 – 500,000 | 450 |
Security & Data Privacy
- Encrypted Connections: All traffic is HTTPS-encrypted for full data safety.
- Secure Authentication: Multi-layer login protection prevents unauthorized access.
- Activity Logs: Every transaction is logged and monitored for transparency.
- Minimal Data Collection: Only essential data is collected for service delivery.
- No Data Selling: Your data is never shared or sold to third parties.
- Legal Compliance: We operate under Kenya’s Data Protection Act and digital finance regulations.
Contact Us
Need help or have feedback? Email us at support@upay.co.ke.