Payments that move
at the speed of Africa
Criteria Pay connects businesses, agents, and individuals to every payment channel — mobile money, bank, card, or cash. One platform. Instant settlement.
Four apps. One ecosystem.
Every role gets a purpose-built interface. Customer, agent, merchant, or admin — explore the real apps below.
Your wallet,
in your pocket.
A sleek mobile wallet for individuals to send, receive, deposit, and withdraw — via MoMo, bank, or card. Real-time balance and instant notifications.
Send & Request
Transfer to any phone number or account. Request funds with one tap.
Deposit & Withdraw
Top up via MTN MoMo, Airtel, or bank. Withdraw instantly.
Virtual Card
A virtual card linked to your wallet for online and in-store payments.
Field agents,
fully equipped.
A dedicated app for Criteria Pay agents to collect cash, disburse funds, manage float, and serve customers on the ground — anywhere, anytime.
Cash In / Cash Out
Serve walk-in customers for deposits and withdrawals. Instant settlement.
Float Management
Request float top-ups, track balance, and get low-balance alerts.
Activity History
Full transaction log with timestamps, amounts, and IDs for reconciliation.
Any phone.
Instant POS.
Turn any Android device into a full payment terminal. Accept mobile money, card, and QR payments — no special hardware required.
Mobile Money Acceptance
Accept MTN MoMo and Airtel Money with a simple phone number prompt.
Clean Keypad Interface
Enter any amount via the built-in numpad. One tap to charge.
Always Online
Live connection status and real-time transaction confirmation.
Total control.
Zero blind spots.
A powerful web dashboard for operations teams to manage users, agents, terminals, transactions, float, and compliance — in one secure portal.
Real-time Overview
UGX 239M+ volume, 8 users, 5 agents, 2/2 terminals — all at a glance.
User & Agent Management
Onboard, suspend, or manage all accounts with full audit trails.
KYC & Compliance
Verify identities, manage risk flags, and stay audit-ready.
Scale your business with
Criteria Business.
A complete suite of financial tools designed for modern African enterprises. Manage payments, send invoices, and get deep insights into your growth.
Sales Analytics
Track performance across multiple branches with real-time data visualization and reports.
Professional Invoicing
Generate secure payment links and smart invoices. Get paid via MoMo or Card instantly.
Direct Settlements
Your funds settled directly to your bank account or wallet, following your preferred schedule.
Built for the real
African economy
Products shaped around how money actually moves — across mobile networks, in markets, at terminals, through agents.
Mobile Money — The African Standard
Direct integration with MTN MoMo and Airtel Money. The most-used payment rail in Uganda, made effortless for businesses. Real-time push & pull, balance checks, and instant reconciliation.
Bank Rails
Same-day bank transfers. Virtual account numbers for seamless inbound collections without manual reconciliation.
Agent Network
200+ active agents across Uganda. Cash in / cash out serving communities that banks can't reach.
Software POS
Any Android phone becomes a terminal. No expensive hardware, works offline with auto-sync.
Enterprise Security
256-bit AES encryption, PIN auth, and full audit trails. PCI-compliant from day one.
API & Webhooks
Real-time event notifications. Integrate with our clean REST API and comprehensive docs.
Up and running
in one day
No complex onboarding. No hidden steps. Just payments that work from day one.
Create your account
Sign up as a business or individual. KYC takes under 5 minutes.
Connect your channels
Choose MoMo, bank, card, or agent. Our team handles integrations same day.
Start collecting & sending
Accept payments in any format. Disburse to anyone instantly.
Reconcile & grow
Daily bank settlement, automated reconciliation, and growth analytics.
Every way money moves,
we support it
However your customers prefer to pay, Criteria Pay handles it seamlessly.
Mobile Money
MTN MoMo & Airtel — Uganda's most-trusted wallets.
Bank Transfer
Send to any local bank. Receive via virtual account numbers.
Card Payments
Visa, Mastercard, and local cards via POS or online.
Agent Cash
Cash in / out through our nationwide agent network.
QR Code
Dynamic QR for any amount. Scan and pay instantly.
POS Terminal
Any Android becomes a payment terminal instantly.
Payment Links
Shareable invoice links. Pay via browser, no app needed.
API / Webhooks
Integrate cleanly. Real-time events keep your system in sync.
Transparent fees,
no surprises
Everything you need to start accepting and sending payments. No hidden charges, no setup fees.
Flat fee per transaction — whether it's a UGX 500 purchase or a UGX 5,000,000 transfer. No percentage cuts, no surprises.
Your money,
in
your wallet
Get a physical Criteria Pay card and spend anywhere — online or in-store. Tap, swipe, or insert. Your card, your terms.
What our partners say
Criteria Pay transformed our field collections. Reconciliation that took days now happens automatically. Float management is finally stress-free.
We switched from a competitor and the difference was night and day. Settlement is same-day, the dashboard is clean, and support actually responds.
The agent app is incredibly intuitive. 200+ field agents were processing transactions within a single day. The real-time float tracking changed everything.
Frequently Asked Questions
Everything you need to know about Criteria Pay — how it works, what it costs, and how to get started.
Product Updates
We ship fast. Here's what we've recently built, improved, and launched.
Business Portal Launch
Businesses can now manage their own agents, terminals, and customer base through a dedicated portal — complete with float management, transaction reporting, and KYC tools.
MTN Mobile Money Integration
Criteria Pay now supports direct MTN MoMo collection and disbursement via the MTN Open API — enabling instant deposits and withdrawals for all mobile money users.
Admin Dashboard v2 — Full Redesign
The Admin Dashboard received a complete overhaul — new dark-mode UI, real-time financial charts, detailed system health monitoring, push notification broadcaster, and granular KYC management tools.
NFC Criteria Pay Card — Tap to Pay
Physical NFC-enabled Criteria Pay cards launched. Customers can now tap to pay at any contactless terminal, with a unique QR code printed on each card for offline payments.
Criteria Pay — Public Launch
Criteria Pay officially launched, bringing together the Client App, Agent App, Terminal App, and Admin Dashboard into a unified payment ecosystem for East African businesses.
Ready to move money
the right way?
Join businesses already using Criteria Pay. Setup takes less than a day. Our team is standing by.
