Collect Payments
In Minutes!
Built By Devs For Devs, With African Context
Meet Nile Pay.
NilePay is a merchant of record that sits between you and payment providers. Install our SDK, skip the paperwork, and start collecting payments in minutes. Built for African developers.
NilePay acts as the legal seller on your behalf, handling compliance, taxes, and provider relationships so you don't have to.
Your App
Your Application
Install the SDK and call collectPayment(). That's all your code needs.
You stay focused on your product
Merchant of Record
Nile Pay
The legal seller on your behalf. We sit in the middle and handle everything between you and the providers.
Payment Providers
African Gateways
01 — Payments
Full Payment Suite
Everything you need — collections, disbursements, and withdrawals. The complete money movement lifecycle for your business.
Supported providers
02 — Onboarding
Fast KYC
Sign up and verify with just your national ID and phone number. No lengthy paperwork, no weeks of waiting. You are ready in minutes.
Enter phone number
We send a one-time code to verify
Upload national ID
Front photo — any national ID accepted
Verified & ready
Start collecting in minutes
03 — Reporting
Smart Tags
Tag every payment with custom metadata. Filter through the API, track performance by tag, and build any reporting scenario you need.
#school-fees#ride-hailing#order-1234#salary-runnilePay.findByTag('school-fees')The Easiest Integration.
Great sdks for your beloved language, integration in minutes.
pnpm add @nilepay/sdkimport { createNilePay } from '@nilepay/sdk';
const nilePay = createNilePay({
environment: 'sandbox',
apiKey: 'SKLG123XXXXXXX',
});
const payment = await nilePay.collectPayment({
amount: 10000,
currency: 'UGX',
reference: 'ORDER-123',
method: 'mobile-money',
description: 'Mobile money payment',
customer: {
phone: '+256700000000',
},
});
payment.on('success', (payment) => {
console.log('Payment successful', payment);
});Powerful Features.
Payements are hard in Africa, these features make it a bit easier.
SDKs
Effective marketing and advertising materials. It is also a great tool to use when you want to present your.
Multi Gateway
Effective marketing and advertising materials. It is also a great tool to use when you want to present your.
Transaction Logs
Effective marketing and advertising materials. It is also a great tool to use when you want to present your.
SMS, Tax & Billing
Effective marketing and advertising materials. It is also a great tool to use when you want to present your.
Smart Tags
Effective marketing and advertising materials. It is also a great tool to use when you want to present your.
Fast KYC
Effective marketing and advertising materials. It is also a great tool to use when you want to present your.
Our Growing Base Of Partners And Customers
Trusted by ambitious businesses across the region building modern payment experiences with Nile Pay.
Transparent Pricing.
Clear transaction fees, optional add-ons, and predictable costs as you scale across local and cross-border payment flows.
Per transaction
Our base rate covers all processing, compliance, and gateway routing costs. No monthly fee, no setup fee.
What's included
Optional add-on services
Enable only what you need
SMS Notifications
Sent to your customer on each transaction
Email Receipts
Automatic receipt emails on every payment
Auto Invoicing
PDF invoices generated and emailed automatically
EFRIS Tax Resolution
Automatic tax filing to EFRIS on your behalf
Cross-border Payments
For payments outside Uganda
Subscription Payments
For recurring payment flows
Example breakdown
UGX 100,000 subscription from abroad with all add-ons enabled
No hidden fees
Payout fees are charged by the payout provider and passed through at cost. NilePay adds zero markup on payouts.
Full and partial refunds supported
Transaction fees are non-refundable
NilePay may issue refunds within 60 days to reduce disputes
UGX 55,000 per dispute regardless of outcome
Charged by underlying card networks
High chargeback rates may lead to account review
Manual withdrawals — you control the timing
UGX 5,000 per payout transaction
No NilePay markup on payout fees
Custom rates for high-volume businesses
Dedicated account manager
Contact us to discuss your needs
Frequently Asked Questions
Everything you need to know before you start collecting payments, enabling add-ons, or scaling across markets.
You can pause or cancel at any time because NilePay is usage-based. If you stop processing payments, there is nothing extra to keep active.
Works with Your Stack
Integrate seamlessly with your favorite languages and frameworks. Built for developers who value simplicity and power.