Banking Beyond
Borders.
One Account. Multiple Currencies. Endless Possibilities.
Send, receive, exchange and spend money seamlessly across South Sudan, Kenya, Uganda and beyond — all from one secure platform.
One account. Multiple currencies.
Hold SSP, KES, UGX and USD side by side and move between them in seconds.
Hello,
Akol
Total Balance
SSP 125,450.00
Recent Activity
See allReceived from John D.
Today · 10:24
Paid Electricity Bill
Yesterday
Built for the unbanked
A full wallet in your pocket — no bank account required.
Tap to learn moreAgent withdraw ready
Turn digital money into cash through a trusted agent network.
Tap to learn moreMulti-currency support
Hold, exchange and pay across currencies with fair rates.
Tap to learn moreMerchant payment tools
Accept payments in-store and online, simply and securely.
Tap to learn moreSouth Sudan launch
Starting at home in South Sudan, expanding across Africa.
Tap to learn moreOne Platform. Every Payment.
Apay is a multi-currency financial platform designed for individuals and businesses that move money across borders. Whether you're paying employees, supporting family, trading internationally, or growing your business, Apay makes cross-border payments simple, secure and fast.
Hold Multiple Currencies
in One Place
Manage your money effortlessly with dedicated wallets for every currency you use — and exchange between them instantly within the app.
USD
United States Dollar
Exchange between supported currencies instantly within the app.
Send Money Across
East Africa
Move money between supported countries quickly and securely. Exchange currencies before sending, and let recipients receive funds in the currencies their country supports.
Everything You Need in One App
A single wallet for the way real life moves money — across people, places and currencies.
Powering Cross-Border Commerce
Apay helps businesses simplify payments across East Africa — from payroll and supplier settlement to collections, reporting and multi-currency treasury.
Pay salaries
Run payroll across countries and currencies.
Pay suppliers
Settle vendors locally or across borders.
Receive customer payments
Collect from customers in-store and online.
Hold multiple currencies
SSP, KES, UGX and USD in one business account.
Exchange currencies
Convert when it makes sense for your business.
Track transactions
Real-time view of every movement of money.
Payment reports
Statements, exports and reconciliation-ready data.
QR and POS payments
Accept at the counter with QR codes or POS.
Accept Payments Anywhere
Retailer, restaurant, wholesaler or service provider — Apay helps you get paid faster, with the tools your business actually needs.
QR Code Payments
Print a code, get paid — no hardware needed.
POS Terminals
Card and mobile acceptance for your counter.
Payment Links
Share a link, collect from anywhere.
Business Wallet
Multi-currency, built for retailers.
Instant Settlement
Funds available the moment you sell.
Spend Globally
Access your funds anytime, anywhere. Virtual cards today, physical cards on the way — with Apple Wallet and Google Wallet support built in.
Virtual Cards
Instant issuance for online spend.
Physical Cards
Coming soon — for everyday spending.
Online Payments
Pay any global merchant that accepts cards.
In-store Payments
Tap and pay wherever cards are accepted.
Apple & Google Wallet
Add your card to your phone and go.
Secure by Design.
Your money and data are protected using industry-standard security practices. Apay partners with established financial institutions to move funds, and we're actively pursuing the licences and certifications required in each market we serve.
Encryption in transit & at rest
Sensitive data is encrypted across our infrastructure.
Trusted banking partners
Funds are moved through established financial partners.
Continuous monitoring
24/7 fraud, risk and reliability monitoring.
Account controls
PINs, biometrics and device-level protections built in.
Frequently asked questions
The Future of Payments Starts Here.
Whether you're sending money home, managing payroll, paying suppliers or expanding your business across borders, Apay gives you one platform to do it all. Download Apay today.