united-pay.com

About united-pay.com

United Pay Ltd is a financial technology firm that provides digital payment solutions and business facilitation, primarily targeting markets in Mauritius, the Indian Ocean, and Africa. The company was established by Roshaan Kulpoo, a professional with over two decades of experience in the card and mobile payment sector, to guide financial institutions through the evolving digital payment landscape. His background in the domain informs the company's strategy, which is centered on helping clients adopt customer-focused payment technologies.

The firm's business model is anchored on four main service pillars. It engages in software development, creating bespoke mobile applications, digital wallets, and comprehensive payment solutions for financial and non-financial institutions. Secondly, it provides training, advisory, and consultancy services covering debit, prepaid, and credit card business operations, as well as e-commerce and digital banking strategies. United Pay also offers a low-cost, card and cardless payment gateway solution, capable of in-house or secure cloud processing, which is compatible with QR codes, NFC, and tokenization technologies like Visa Paywave and MasterCard Paypass. A fourth pillar is its outsourcing services for card processing, including debit, credit, prepaid, ATM, and POS functionalities, which allows institutions to launch card services without heavy initial investment.

United Pay serves a diverse client base that includes banks, national switches, retailers, insurance companies, and mobile network operators. Its product suite is designed to enable these clients to build out their own digital payment ecosystems. Key offerings include a PCI-compliant Card Management System, an ATM/POS switch for EMV card issuing, mobile banking solutions featuring biometric and facial recognition, and agency banking platforms. The company also delivers solutions for cross-border remittances, contactless payments for mass transit, and multi-currency prepaid cards linked to mobile wallets and loyalty programs.