Multicurrency Wallet
Send & Recieve
Money Globally
Zero hidden fees, Virtual USD, EUR & GBP accounts
For freelancers, creators, importers & global teams.
Trusted by
Total processed
Transaction execution
Settlement time
Supported countries
Get Started
Follow these simple steps to begin your journey
Use cases
Discover how upesa empowers different users across the globe
For Freelancers
Get Paid Globally
Your Way.
Create virtual USD, EUR or GBP accounts in minutes. Receive payment from Upwork, Fiverr & global platforms
For Importers
Pay Suppliers
Fast & Easy.
Pay your suppliers in China, the US, Europe and beyond using your local currency or USD. Transactions settle in seconds via RTP, or T+1 with ACH, FedWire, SEPA and more.
For Content Creators
Go Viral,
Get Paid.
Monetise your content worldwide. Collect creator payouts from TikTok, YouTube, Facebook and other global platforms directly into your Upesa USD, EUR or GBP virtual account.
For Remittance
Send Money Home
For Free.
Send money to your family, friends & dependents wherever you are at zero cost
For Travellers & Nomads
Travel Africa
& Europe.
Travel across Africa & pay for a ride, book a space or enjoy local dishes like a local. No need to download several mobile money apps
For Crypto Natives
Buy, Swap &
Hold Stablecoins.
Deposit, withdraw & buy stablecoins like USDC & EURC with your wallet & access DeFi & Web3. Swap between stablecoins with StableSwap
Enterprise-grade security for your digital assets
Send and receive money instantly to anyone
No hidden charges for account management
Competitive rates for all your transactions
Keep more of your money with zero transaction costs
Seamless conversion between stablecoins and fiat
What our users are saying
Upesa possesses a top notch customer service and gives me a very seamless user experience till date.
David Onyilimba
Co-founder, Play2Learn Games
Available supported currencies
Frequently ask questions
General FAQ
How do I download the app?
All you have to do is search and download the Upesa mobile app on Google Play Store or Apple App StoreHow long does bill payment take?
Instantly once your payment is confirmed
Virtual account FAQ
I have a question about a payment. How can I contact support?
Reach out to Upesa at:- Email: [email protected]
- Phone: 020 1330 6314
- Social Media: @UpesaHQ,
Please avoid contacting our banking partners directly, as they are not best suited to help you.My funds are missing or have not landed in my account.
Contact us at [email protected]/020 1330 6314 and we will investigate. If you have sent funds from your bank account, request a Trace ID for an ACH payment or an IMAD for a wire from your bank. Providing this information will help us track down the transaction faster.When will the funds land in the account?
Next-day ACH transactions can take 1-3 days to arrive in your account. Same-day ACH transactions sent before 4 pm EST will arrive at their destination on the same day.Wires can take a few hours to process, but they will be processed the same day as long as they are received before 5 p.m. EST.What is the minimum amount that I can send or receive?
As a developer, you can modify the language depending on the type of payment. Refer here for documentation on minimum transaction amounts.Where do I input the memo when making a payment?
Memos can be entered in the Memo or reference field when creating the ACH or Wire.For JP Morgan Chase, the correct field is called "Message to Recipient."For Mercury, the correct field is called "Message to Recipient."We recommend reaching out to your bank if you are not sure where the memo should goMy bank doesn't recognize the Routing Number for the payment. What should I do?
The correct routing numbers for Lead Bank are 101019644 for virtual accounts and 101206101 for most memo-based payments. Both can be found on FRB Services' website at frbservices.org. The American Bankers Association (ABA) also provides an online lookup tool for routing numbers, which can be accessed here.If you encounter any errors, please contact your bank's support and inform them that these routing numbers are listed on the websites mentioned above and should be recognized to support wire and ACH payments.Does Upesa provide SWIFT codes or account numbers to its Customers?
Virtual accounts with Upesa do not currently support SWIFT payments, only ACH and US domestic wires.My bank did a microdeposit to my virtual account. How do I get the amounts for the microdeposits?
Notifications for Microdeposits made to virtual accounts are sent to [email, SMS, push notification]. It can take up to 1 day for the microdeposits to arrive.I am being asked for a 3-letter code by Plaid that was sent to my virtual account. Where can I find this code?
The 3 letter code is included as part of the descriptor of the microdeposit.What types of transactions can I receive in my virtual account?
Virtual accounts are fully permitted to receive the following transactions for non-US residents.
1. First-party payments where you are sending USD from your bank, fintech app, or brokerage account
2. Third-party payment where a registered business sends USD from its bank account
3. Third-party payment from a family member's bank account, where you share a surname
4. Third-party Person-to-Person payment for an amount less than $4,000
The following types of transactions are fully permitted to be received by virtual accounts for US residents.
1. First-party payments where you are sending USD from your bank, fintech app, or brokerage account
2. Payroll payments from businesses
3. Third party payments in most states except for a few, please refer First and Third-Party Payment Support