Step 1 · Eligibility
01Confirm your Bank of Uganda licence
Your company must hold a valid Bank of Uganda licence to provide national payment services or operate a national payment system.
Article 4.1
Licence check
Step 1 of 5
Eligible to apply
One voice forUganda's paymentproviders.
PSPA represents the companies licensed by the Bank of Uganda to move money: payment service providers, payment system operators and issuers of payment instruments. We take members' shared problems to regulators, Parliament and partners.
Who can join
Bank of Uganda licensees
- Payment service providers
- Payment system operators
- Issuers of payment instruments
The licensed providers who make up the association
About us
PSPA brings Uganda's licensed payment providers into one association so they can answer regulators with a single position respond to fraud together and settle disputes between members in confidence.
What members get
RepresentationPolicy dialogueFraud responseMediation
TrainingInvestor accessMarket intelligenceShared services
AdvocacyCompliance supportMarket accessSector reports
Five services
built around problems no provider can solve alone.
Our role
One voice
for the sector on regulation, fraud and legislation, backed by evidence from members.
PSPA before ParliamentKampala, September 2026
Who can join
PSPPSOIssuers
Any company holding one of the three Bank of Uganda licence types.
What we stand for
Why PSPA exists
Our mission
Help Uganda's payment systems run smoothly, securely and efficiently, so the financial sector stays stable and keeps growing.
Our vision
A payments sector where new digital products reach people quickly and safely, inside a clear regulatory framework.
Our purpose
We represent members of the payment system in the interest of Uganda's economic development.
Our goals
Financial stability, wider inclusion, shared research and an industry that talks to itself and to its regulators.
Governance
The people wholead the association
Office bearers elected from member companies, a Secretariat that runs the work day to day, and sub-committees led by members.
Member benefits
What membershipgives you
Five services built around three problems no provider can solve alone: regulation, fraud and growth that depends on a credible sector.
Read the service charterWhen regulation, legislation, or a policy change affects your business, you do not face it alone. PSPA speaks on your behalf to the Bank of Uganda, to Parliament, and to public institutions, as a single, credible industry voice backed by evidence. If your company receives a regulatory notice, a proposed fine, or faces the risk of suspension, PSPA engages on your behalf to seek a proportionate and lawful outcome. This right is grounded in the PSPA Constitution, which establishes the Association as the single voice of its members in all matters of regulation and legislation.
Our commitment
Problems raised,owned and closed
One business day
That is how quickly the Secretariat acknowledges an urgent regulatory or fraud issue. Every case gets a named owner and an agreed response path.
Service charter
What we commit to,and how you can check
Every commitment comes with a record members can ask to see.
Member needOur commitmentHow you can check
- Urgent regulatory or fraud issueWe acknowledge within one business day, assign an owner and agree the response path with you.Issue log and closure record
- Dispute with another memberIntake within two business days. Willing parties meet within five.Mediation and action note
- Policy and regulationAt least one structured engagement with regulators every quarter.Minutes, submissions and a tracker
- Investment and partnershipsAt least two curated investor or partner engagements a year.Introductions and feedback
- Capability buildingAn annual training calendar with sessions every quarter.Attendance and satisfaction
- Market intelligenceAn annual sector report and regular policy and risk briefs.Reports and member usage
Become a member
Five steps from licenceto membership
Taken from the Membership Admission Procedure, Article 4.0 of the PSPA Constitution.
Step 2 · Prepare
02Write to the Chairman
Prepare a written application addressed to the Chairman on official company letterhead, signed by your CEO or managing director and stamped by the company. You upload it with the online application form.
Article 4.2 (a)
Application to the Chairman
Step 2 of 5
Signed and stamped
Step 3 · Attach
03Attach the required documents
Include a copy of every licence the Bank of Uganda has issued to you and the signed agreement to abide by the PSPA Constitution. The template is under Read before you apply.
Article 4.2 (b)
Application pack
Step 3 of 5
Licence and signed agreement
Step 4 · Submit
04Submit to the Secretariat
Send the pack to the Secretariat, which passes it to the Chairman and Vice Chairman to review.
Article 4.2 (c)
Chairman and Vice Chairman
Step 4 of 5
Reviewed on receipt
Step 5 · Decision
05Decision and onboarding
The Executive Council decides by simple majority within three business days. Once approved, you are notified and onboarded as a member.
Article 4.2 (d) and (e)
Executive Council
Step 5 of 5
About three business days
Annual membership fee
UGX 10,000,000
per member, per year
- PSPA membership
- UGX 5,000,000
- Anti-Fraud Consortium membership
- UGX 5,000,000
- PSPA membership automatically makes you a member of the Anti-Fraud Consortium, so the two fees are billed together.
- Invoiced annually, payable within 30 days of receipt.
Read before you apply
- PSPA ConstitutionPDF · 1.6 MB · January 2026
- Membership admission procedurePDF · 130 KB · November 2026
- Member service charterPDF · 143 KB · November 2026
- Agreement to abide by the PSPA ConstitutionTemplate · PDF · 209 KB · sign, stamp and upload with your application
- Memorandum and Articles of AssociationPDF · 6.2 MB · certified March 2024
Current membership
The companies behindthe association
Every member holds a Bank of Uganda licence and every member has the same standing. Listed in no particular order.
MTN MoMo
Mobile money
Airtel Money
Mobile money
Pegasus Technologies
Payment aggregation
Interswitch
Payment switching
Pesapal
Online payments
Micro Pay
Payment services
Wave
Mobile money
Chipper Cash
Cross-border payments
Onafriq
Pan-African payments
Yo! Uganda
Payment gateway
ioTec
Payment services
mCash
Agent payments
EzeeMoney
Mobile payments
FutureLink Technologies
Payment technology
SafeBoda
Wallet and payments
ClinicPesa
Health payments
Agent Banking Company
Shared agent banking
Flutterwave
Payment processing
Cellulant
Payment processing
Xente
Business payments
SchoolPay
School fees payments
RukaPay
Digital wallet
eTranzact
Payment switching
PawaPay
Mobile money payments
dLocal
Cross-border payments
ChapChap Africa
Agent and merchant payments
Fincom Technologies
Payment services
Wakandi Uganda
Payment technology
Eversend
Cross-border payments
Paytota
Payment gateway
DirectPay Uganda Limited
Online payments
FlexiPay by Stanbic Bank
Digital wallet
Legitimacy and partners
Who we work withon behalf of members
Regulatory bodies
Bank of Uganda
Licenses and supervises payment service providers and operators under the National Payment Systems Act, 2020.
Financial Intelligence Authority
Anti-money laundering oversight. Hosts the Fraud Incident Reporting Portal set up by the Anti-Fraud Consortium.
Uganda Communications Commission
Regulates the telecoms networks that mobile money and USSD payments run on.
Institutional partners
Uganda Bankers' Association
Signed a memorandum of understanding with the association in September 2022.
Financial Sector Anti-Fraud Consortium
Founded by the Bank of Uganda, FIA, UCC, UBA and PSPA to prevent, detect and respond to financial fraud together.
Updates
News fromthe association
Press releases from the Secretariat and articles by and about members.
PSPA Secretariat
Four licensed providers join PSPA in September
Read now
PSPA Secretariat
September's monthly member meeting
Read now
PSPA Secretariat
Member CEOs at the 4th Financial Sector Anti-Fraud Forum
Read nowEvents
What's coming up
Members meet every month. The Secretariat adds forums, workshops and the General Meeting here as they are confirmed.
- 14Nov
PSPA General MeetingExample
Venue to be confirmed · Members only
- 05Dec
Industry workshop: fraud reporting and the FIA portalExample
Kampala · Members and partners
FAQ
Questions wehear most
Any company that holds a valid Bank of Uganda licence to provide national payment services or operate a national payment system. That includes payment service providers, payment system operators and issuers of payment instruments.
Tell us what you need
We reply to every message. Urgent regulatory or fraud issues from members are acknowledged within one business day.
Office
2nd Floor, The Wildlife Tower, Plot 31 Kanjokya Street, Kampala, Uganda