Social Fintech for Financial Inclusion
HPaysa connects people, businesses, and communities to support each other financially through a secure, transparent, and inclusive digital ecosystem.
PLAY STORE APP STORE
HPaysa connects people, businesses, and communities to support each other financially through a secure, transparent, and inclusive digital ecosystem.
PLAY STORE APP STORE
HPaysa is a Social Fintech platform that connects people, businesses, and communities to support each other financially through a secure, transparent, and inclusive digital ecosystem.
Built on the principles of trust, technology, and social connection, HPaysa enables members to extend or receive advances in multiple ways — person-to-person, person-to-business, business-to-person, and business-to-business.
How it works
Offer or receive financial support from your trusted network
Secure, transparent agreements for all transactions
Let the app handle reminders while you focus on what matters
Send gifts and support causes within your community
Empowering Financial Inclusion Through Social Innovation
Build trusted financial networks where social capital becomes financial capital.
View DetailsDigital peer-to-peer and business-to-business lending with transparent, ethical advances.
View DetailsPre-approved advance system for instant credit support through trusted social networks.
View DetailsAutomated, binding digital agreements ensuring transparency and fairness.
View DetailsUnified digital payments platform for seamless transactions through banks, SACCOs, and mobile money.
View DetailsRide-hailing payment and driver finance system with easy settlements and discounted fees.
View DetailsLocal payments for international visitors to pay like locals — safely, conveniently, affordably.
View DetailsAutomated recurring payments ensuring timely utility, loan, and school fee payments.
View DetailsIntelligent merchant payment platform with social and financial insights for smarter collections.
View DetailsMobile, decentralized agent model with cashless operations and minimal float risk.
View DetailsSocial-financed digital credit card democratizing credit powered by social trust.
View DetailsEnd-to-end lending platform with complete, plug-and-play lending infrastructure.
View DetailsIntegrated recovery & AI-driven credit analysis for smarter collections and creditworthiness insights.
View DetailsBehavior-based credit profiling for fair, human-centered credit evaluation.
View DetailsHPaysa Circles allow people, communities, and businesses to create social financial networks that form the foundation of trust-based finance. These can be families, friends, colleagues, or professional groups.
Members join a circle to share financial support, extend advances, or collectively manage funds. Each relationship is treated uniquely with transparency and respect.
Turns social capital into measurable financial value.
Social Advance is HPaysa's digital tool for peer-to-peer and business-to-business financial support, replacing emotional lending with structured, ethical systems.
A financier advances funds to a beneficiary via the HPaysa App. The system generates a Smart Contract capturing all details, automates reminders, and ensures transparent repayments.
Transforms traditional informal lending into a secure and traceable digital process.
Shikisha na HPaysa enables users within trusted circles to help each other instantly complete transactions when short of funds.
Pre-approved limits allow automatic support between members during payments. Each transaction generates a Smart Contract for transparency.
Empowers everyday transactions with instant social credit.
Every financial interaction on HPaysa is governed by Smart Contracts — self-executing digital agreements that define and enforce terms between parties.
Guarantees fairness, accountability, and enforceability — without paperwork.
HPaysa Smart Pay redefines payment experiences through security, convenience, and trust.
Integrates with banks, SACCOs, microfinances, and utilities to allow all payments in one place.
One app, all payments — done right.
Sign Up
Create account with phone and email
Verify Identity
Submit ID for KYC verification
Build Network
Create trusted circles of connections
Top Up Wallet
Add funds via mobile money or bank
Transact
Send, receive, advance funds securely
Track & Manage
Monitor all transactions and repayments
Join Africa's most trusted social finance ecosystem
We're here to help and answer any question you might have. We look forward to hearing from you.