Welcome to Real-world utility for your stablecoins with upesa
Spend & Earn Directly
with Stablecoins
Pay, Offer, and Access services anywhere in the world
Whether it's paying for internet subscription, a digital service, monetizing your skill, or conducting secure, borderless transactions, upesa is creating a world where stablecoins aren't just digital assets—they enable seamless payments for a wide range of everyday services
Showcase your skills and services to a global audience and get paid with ease
Pay for essential services like internet, electricity, and more.
Access a wide range of digital services, from design to development and pay easily in stablecoins.
Get a card to pay for your subscription, shop on your favourite marketplace, and much more.
Enjoy a wide array of tailor-made features for seamless transactions with your stablecoins
A new era of utility for stablecoins
Beyond an app—upesa is a movement toward unlocking the full potential of stablecoins.
Easy, On-Chain Payments
With upesa, you can pay for internet, electricity, and more directly from your wallet with just a few clicks.
Global Accessibility
Available in 20 countries and quickly expanding, upesa brings practical utility for stablecoins to crypto users around the world.
Digital Service Hub
upesa lets skilled professionals and digital nomads list their services and get paid in stablecoins, secured by blockchain smart contracts.
Multi-Chain & Multi-Stablecoin Support
Whether you're using USDC, USDT, or any supported stablecoin, upesa's multi-chain platform ensures your assets can be used where and when you need them.
Secure & Private
upesa values your privacy. No unnecessary data collection—just secure payments and transactions through blockchain, protected by smart contracts and encryption.
Available supported currencies
Frequently ask questions
Everything you need to know about the product and billing.
What do I download the app?
All you need is to visit the Google Play Store and App StoreHow long does bill payment take?
Almost instantly once payment is confirmed on-chainDo I need to register or create an account to access the services?
No, The app doesn't require you to sign up. All you need to do is connect your wallet, select any of the services available and follow the promptI 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
Still have questions?
Can't find the answer you're looking for? Please chat with our team.