Lend to verified shoppers, for real goods.

nxtPay brings you pre-screened borrowers at the moment they buy, with the controls, records and collections to lend safely at scale. We are the technology; you stay the licensed lender.

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How do credit partners work with nxtPay?

Licensed lenders in Uganda fund pay-in-4 plans for shoppers buying real goods at verified shops. nxtPay checks each borrower, sends you the request, records the signed plan and collects the weekly mobile money payments. You set the rules and make every decision. Interest is capped at 2.8% a month.

You earn

up to 2.8%

a month on what you lend, plus a share of the shop’s fee on every plan you fund.

Your risk

Real goods

Credit pays a checked shop for a specific item, never cash, to a shopper whose ID and statement are checked.

Who decides

You

Every limit and every raise, by API or dashboard, within caps you set and can pause.

01

Verified, pre-screened shoppers

Before you're asked to decide, every shopper has passed an ID check and a mobile money statement pre-screen, and has explicitly agreed to share their data with you.

  • National ID checked against the MoMo-registered name
  • Statement read and checked against its own totals
  • Suggested limit capped at 30% of monthly money coming in
  • Recorded consent before any data reaches you

02

Credit for real goods, never cash

Your credit pays for a specific item at a verified shop. Shoppers never receive cash, which cuts out diversion and most fraud.

  • Shops checked: URSB, TIN, trading licence, owner ID
  • Delivery proven with a hand-over code
  • Returns close the plan correctly
  • Ratings only from buyers who received the item

03

Your rules, your limits

Decide by API or in a dashboard. Set how much you lend in total and per day, pause at any time, and every change is versioned and recorded on each plan.

  • Signed decision API (HMAC, replay-proof)
  • Exposure cap, daily cap and pause switch
  • Interest within the legal cap, shown to the shopper before signing
  • Licence type checked before you can lend

04

Collections that run themselves

Reminders before and on the due day, automatic MoMo prompts, a grace period, and a shopper who is overdue can't start new credit anywhere on nxtPay.

  • MTN MoMo and Airtel Money prompts
  • Overdue = blocked across every shop
  • Fair, regulator-friendly: no harassment, no phone data

05

A ladder that rewards paying on time

Borrowers see how their limit can grow: every 3 plans paid on time sends you a review request for the next step. A late payment pauses the climb, a default stops it, and you always decide.

  • Published, simple rule borrowers can trust
  • Reviews reach you automatically; you approve or decline
  • On-time rate tracked by ladder step
  • Interest stays within the legal cap at every step

06

Every shilling on the books

Each sale, repayment, payout and fee is posted as balanced debits and credits in an append-only journal, so your statements reconcile to the shilling. If a payment gateway goes down, payments move to a backup gateway automatically.

  • Double-entry journal that cannot be edited
  • Trial balance that always nets to zero
  • Your share of every fee shown per transaction
  • Automatic failover between payment gateways

nxtPay never holds the money.

Down payments and weekly repayments are designed to go straight to your own account through a licensed payment aggregator, and you pay the shop on our instruction. nxtPay sends the instructions and keeps the records.

Trade credit · opening with our first partner

Finance the supply chain.

Fund stock for shops with a proven nxtPay sales history. nxtPay suggests each limit from the shop's real sales; you approve it. You pay checked wholesalers on delivery and keep 2.5% of the 4% supplier fee plus 2.8% for the 30-day term, and 70% of each of the shop's nxtPay sales repays you automatically.

Lending in Uganda? Let's talk.

Banks, credit institutions, MDIs and UMRA-licensed digital credit providers. We'll walk you through the platform and the risk policy.

Contact us

Questions credit partners ask

Who is the lender?

You are. nxtPay is the technology: it finds and checks borrowers, records each signed plan and runs collections. Every credit decision is yours, and you are named on each agreement.

How are borrowers checked?

Before you are asked to decide, every shopper has passed an ID check and a mobile money statement pre-screen, and has agreed to share their data with you.

How do I decide on credit?

By API or in the lender dashboard. Set how much you lend in total and per day, and pause at any time. Every change is versioned and recorded on each plan.

What can a borrower be charged?

Interest is never more than 2.8% a month on the amount borrowed, shown in shillings before the shopper signs. There are no sign-up or late fees.

How are repayments collected?

Automatically: a mobile money prompt goes to the borrower on each due date, with reminders before and a short grace period after. Late plans pause new credit for that borrower.

What does the borrower buy?

Real goods and services at verified shops, so the credit is tied to a purchase rather than cash. Shops are checked by nxtPay before they can sell.

How are records kept?

Every payment, payout and fee is posted to a double-entry journal, and you get statements and a dashboard of plans, repayments and overdue amounts.