Unified Payment Services Limited (UPSL), also known as Unified Payments, is a leading Payments & Financial Technology company in Africa. It is owned by a consortium of major Nigerian banks. Originally incorporated in 1997 as Smartcard Nigeria Plc, the company was rebranded to reflect its expanded vision. UPSL's core mission is to provide secure, reliable, and innovative payment solutions. It acts as a shared infrastructure for the Nigerian banking community, offering services such as payment processing, transaction switching, point-of-sale (POS) terminal deployment, e-commerce payment gateways, and various value-added services for financial institutions, merchants, and consumers.

Founded in

Russia