With the current technological advancement, convenience is key, whether it’s paying for groceries, settling bills, or making business transactions.

Cash might still be king in some places, but digital payments are quickly becoming the go-to option for people who value speed, security, and simplicity.


At Umba, we understand how critical seamless payments are for both individuals and businesses, and that’s why we’ve introduced UmbaPay, a game-changing solution designed to make payments easier, faster, and more secure.

Why UmbaPay Is the Perfect Solution for Your Business

UmbaPay is more than just a payment platform; it’s a tool designed to simplify business operations and enhance growth. From the ability to create a Paybill in minutes to real-time transaction visibility and zero transaction fees, UmbaPay brings everything a business needs into one easy-to-use platform. Whether you’re an entrepreneur just starting out or an established business looking to scale, UmbaPay offers the reliability, speed, and support you need to succeed.

Our commitment to empowering SMEs goes beyond payments, we want to see your business thrive. With our competitive savings option and fast-access SME loans, UmbaPay is the smart choice for any business looking to maximize both efficiency and profitability.

Let’s take a closer look at why UmbaPay is the game-changer your business has been waiting for.

Create Your Paybill in Just 5 Minutes

We understand how precious time is when running a business. That’s why UmbaPay allows you to create your very own Paybill in just 5 minutes no complicated paperwork or lengthy approval processes. Whether you’re setting up payments for the first time or switching from another provider, UmbaPay makes the process fast and easy. Simply sign up, customize your Paybill, and get started within minutes.

Real-Time Visibility of Transactions on the App

One of the biggest pain points for businesses is tracking payments. With UmbaPay, we’ve removed the guesswork. The UmbaPay app gives you real-time visibility of all your transactions, so you can see who’s paid, when they paid, and how much was paid all in one place. This means no more delays in reconciling payments or chasing down transactions. You’ll have all the information you need right at your fingertips, allowing you to make faster, smarter business decisions.

Access SME Loans in Just 6 Hours

Running a business often requires quick access to funds, whether it’s for purchasing inventory, expanding operations, or covering unexpected expenses. With UmbaPay, getting the financing you need has never been easier. You can access SME loans in just 6 hours no lengthy bank interviews, no endless forms, just fast, reliable access to the capital that fuels your growth.

At Umba, we believe in supporting the backbone of the economy: small and medium-sized businesses. That’s why we’ve designed a loan process that’s quick, transparent, and tailored to the needs of Kenyan SMEs.

Save and Earn Up to 20% Interest on Your Savings

At Umba, we don’t just help you manage payments—we help you grow your wealth, too. With UmbaPay, you can save and earn up to 20% interest on your savings, making it one of the most competitive savings options in the market. This allows you to not only handle transactions but also accumulate wealth on the side, boosting your business’s financial health in the long run.

So whether you're putting money aside for future business needs or simply looking to grow your cash reserves, UmbaPay ensures your funds work harder for you.

Enjoy ZERO Transaction Fees

Nothing eats into business profits like hidden fees and extra charges. That’s why UmbaPay offers a ZERO transaction fees policy. Every shilling that comes into your business stays in your business. You don’t need to worry about losing a chunk of your earnings to fees, allowing you to reinvest more into your growth.

For businesses that handle multiple transactions every day, the savings on transaction fees alone can make a huge difference.

Ready to Take Your Business to the Next Level?

Getting started with UmbaPay is quick and easy. Simply sign up today, and you’ll have your Paybill ready to go in just 5 minutes. 

Start here: https://linktr.ee/umbakenya