Uganda’s digital payments space has shifted considerably over the past decade, shaped largely by the dominance of mobile money and a growing appetite for e-commerce across the country. MTN Mobile Money and Airtel Money have become the default way millions of Ugandans send and receive money, and any payment gateway operating in the market has had to build around that reality. Payment gateways in Uganda today range from locally built mobile money specialists to pan-African platforms that connect Ugandan merchants to international customers, giving businesses more viable options.
This guide covers the most relevant payment gateways available to Ugandan merchants, with a breakdown of what each one supports and the type of business each one fits best.
Quick Links
Pesapal Uganda
Pesapal is one of the most established payment aggregators in East Africa, fully licensed by the Bank of Uganda to operate in the local market. That licensing is important for merchants who want to work with a provider that meets the regulatory standards set by the central bank, and it gives Pesapal a level of institutional credibility that newer entrants do not yet have.
Payment method support covers MTN Mobile Money, Airtel Money, Visa, Mastercard, American Express, and direct online banking, making it one of the more complete options for merchants who need both mobile money and card coverage in a single integration. Pesapal also offers pay-by-link e-invoicing, hosted payment pages, developer APIs, and official plugins for WooCommerce, Shopify, and Magento.
It is a solid fit for Ugandan e-commerce businesses that want a locally licensed provider with broad payment method support and a plugin ecosystem that connects to the platforms they already use.
Flutterwave Uganda
Flutterwave brings pan-African payment infrastructure to the Ugandan market, with a product built for merchants who sell locally and internationally. Its presence across multiple African countries means Ugandan businesses using Flutterwave can access a wider consumer base without switching providers as they grow into new markets.
Supported payment methods include Airtel Money Uganda, MTN Mobile Money Uganda, Visa, Mastercard, and Apple Pay. The integration toolkit covers modern REST APIs, web and mobile SDKs, hosted payment links, and pre-built plugins for popular e-commerce platforms. Flutterwave suits merchants with cross-border ambitions or those who want a technically capable provider with continental reach behind their checkout.
Yo! Payments
Yo! Payments, operated by Yo Uganda Limited, is a local gateway built specifically around mobile money and high-volume transaction processing. It takes a different approach from most gateways on this list, focusing heavily on bulk disbursements and programmatic mobile money flows over standard e-commerce checkout experiences.
Supported methods include MTN Mobile Money, Airtel Money, internal wallet transfers, and direct bank rails. The integration options match that operational focus, covering web API access, USSD application integrations, sub-account management tools, and web-based merchant portals. Yo! Payments is best suited for businesses that process large numbers of mobile money transactions, handle payouts to many recipients at once, or need USSD-based payment flows built into their products.
FlexiPay Merchant (Stanbic Bank Uganda)
FlexiPay is Stanbic Bank Uganda’s digital wallet and merchant payment collection service, aimed primarily at micro, small, and medium enterprises that want the backing of an established bank behind their payment setup. Operating under Stanbic’s infrastructure brings a level of reliability and formal banking oversight that standalone fintech providers cannot offer in the same way.
Payment collection runs through the FlexiPay Wallet, USSD payment codes via *291#, MTN Mobile Money, Airtel Money, and card rails. Merchants access tools through QR codes, USSD checkout flows, a mobile app collection portal, and automated bank reconciliation dashboards that connect payment activity directly to banking records. FlexiPay works well for smaller businesses that want a bank-operated solution with mobile money integration and built-in reconciliation tools.
Also Read: 7 Buy Now Pay Later, BNPL Platforms in Uganda
DPO Pay Uganda
DPO Pay, part of Network International, is the multi-currency and enterprise-focused option on this list, built for merchants that process cross-border payments or operate in sectors like travel and hospitality where international card transactions are common. Its multi-currency processing covers UGX, USD, and GBP, removing friction for merchants billing customers in different currencies.
Supported payment methods include MTN Mobile Money, Airtel Money, Visa, Mastercard, American Express, Diners Club, and multi-currency card processing. Integration options cover REST APIs, hosted payment pages, Pay-by-Link invoicing, a Virtual Terminal for manual card entry, and major e-commerce shopping cart plugins. DPO Pay is the clearest fit for Ugandan businesses with international customers or those operating at an enterprise scale that demands multi-currency infrastructure.
DusuPay
DusuPay was created in Uganda with a specific purpose: connecting local mobile money and banking channels to international commerce. That positioning makes it a useful bridge for Ugandan businesses that collect payments from overseas customers who would otherwise have no easy way to pay through local channels.
Payment methods include MTN Mobile Money, Airtel Money, credit cards, and local bank transfers. The integration toolkit covers developer APIs, webhooks, and merchant portal tools. DusuPay is a useful option for startups and digital businesses that sell internationally and need a locally built provider that understands how Ugandan payment rails connect to global commerce.
Pegasus Technologies
Pegasus Technologies is a Ugandan fintech provider focused on digital payment aggregation, bill processing, and bulk transactions. Its product is built around enterprise-level payment operations, with tools designed for organisations that process high transaction volumes, manage automated billing cycles, or handle payments across multiple channels simultaneously.
Supported payment methods include MTN Mobile Money, Airtel Money, Visa, and Mastercard. Integration is handled through enterprise API systems, web portals, and automated billing software. Pegasus Technologies suits larger organisations, utilities, and financial institutions that need payment infrastructure built for volume and automation.
Uganda’s payment gateway market covers enough ground that most business types have a well-matched option available. Pesapal and Flutterwave are the most versatile starting points for general e-commerce, with Pesapal offering local licensing and Flutterwave adding continental reach. Yo! Payments is the go-to for mobile money volume and bulk disbursements. FlexiPay suits smaller merchants who want a bank-operated solution with mobile money built in.
DPO Pay serves cross-border and enterprise merchants who process multiple currencies. DusuPay fills the gap for businesses bridging local payment channels with international sales. Pegasus Technologies fits organisations that need enterprise billing infrastructure and a broad card network. Matching your transaction type, customer base, and technical capacity to the right provider is what makes the difference in the long run.
