UCARD in the field
Manage customer accounts, transfers, collections, and agent operations — launch faster without building from scratch.
Give customers access to savings, transfers, and account services through mobile, USSD, and branch channels — all from one system.
Onboard agents, manage float, track commissions, and handle field collections with real-time visibility across your network.
Handle cash-in, cash-out, bill payments, airtime, and inter-bank transfers across every channel your customers use.
CBN compliance, audit trails, and automated reporting built in — so you can grow without worrying about regulation.
Each platform solves a specific problem for MFBs, OFIs, cooperatives, and agent-led operators.
Manage customer accounts, transfers, loans, and service channels in one place. White-label, fully branded, and live in weeks — built for microfinance banks and other financial institutions.
Handle collections, cash services, and community distribution through field agents and branches. Built for cooperatives, MFBs, and operators managing last-mile financial services.
See how your team and agents will manage accounts, payments, and field operations day-to-day.
The CBN’s April 2026 single-principal directive affects every MFB and cooperative running agency banking. Paystation is already compliant — get your institution ready without disruption.
UCARD serves MFBs, OFIs, cooperatives, and agent-led operators first — with products that fit how you actually work.
Manage accounts, transfers, and loans across branches and digital channels. Automated CBN reporting and BVN/NIN verification built in.
Go to market with a production-ready platform in weeks. APIs, compliance, and multi-channel delivery — no need to build from scratch.
Digitize member savings, loan disbursements, and repayment collection. Replace manual processes with a mobile-first system your members can use.
Recruit, manage, and track field agents handling cash-in, cash-out, bill payments, and airtime — with float and commission management built in.
Use UCARD’s multi-market infrastructure for remittance, trade payments, and cross-border collection services.
Integrate UCARD as the processing backbone for mobile money and USSD services — built for high-volume, low-value transactions at scale.
Not built for big banks and repurposed. Designed from the ground up for microfinance banks, cooperatives, and agent-led operators.
Whether you're a licensed microfinance bank, a fintech startup, or running 10,000 field agents — UCARD has a product for your model.
USSD-first, offline-capable POS, and CBN-compliant reporting. Designed for how MFBs and cooperatives actually operate in the field.
Built-in compliance, automated reporting, and open APIs that connect to your existing systems. Scale without rebuilding.
Deployed across Nigeria, Ghana, and Kenya. Serving microfinance banks, cooperatives, and agent-led financial operators.
99.9% uptime across all deployments. Sub-5 second settlement via NIBSS. Dedicated account management.
Expert Dojo venture studio. 60%+ women in our agent networks. 15+ years of telecoms and fintech leadership experience.
UCARD Innovations Nigeria Limited operates under Cloud Interactive Platforms (CIP). What began as a consumer fintech has evolved into a focused B2B software company serving the MFBs, cooperatives, and operators that power financial inclusion across Africa.
Our team brings 15+ years of Nigerian telecoms and financial services experience — leadership from ntel and Etisalat Nigeria launches, Cranfield University executive training, and deep expertise in payments, agent networks, and CBN compliance.
Our 2026 focus: deploying Nexus and Paystation for MFBs, cooperatives, and agent operators — helping institutions meet the CBN single-principal mandate while modernising their operations.
Talk to our team about your goals, timeline, and setup.
We respond within one business day.