§ Agency Banking

Deposit, withdraw, or become an agent yourself

Walk into any MicroPay agent to deposit or withdraw cash from your wallet or bank account. Or become an agent yourself — register customers, process transactions, and earn commissions in your own community.

Deposit or withdraw → Become an agent

Earn Commissions

Per-transaction earnings, paid promptly

All Networks & Banks

All telecoms, Centenary bank, and more

Real-time

Instant transaction confirmations always

§ 01 — For Customers

Visit an agent to deposit or withdraw cash

Agency banking is how you turn cash into digital money and back again — no branch visit needed. An agent can move cash in or out of your wallet or bank account.

Deposit cash

Hand your cash to any MicroPay agent and have it credited straight to your mobile wallet or your linked bank account — instantly, with an SMS confirmation.

See how it works →

Withdraw cash

Take cash out of your mobile wallet or linked bank account at any MicroPay agent — no bank branch or ATM needed, wherever you are.

See how it works →

§ 02 — Become an Agent

Cash and digital money, delivered through trusted local agents

Agency banking is how MicroPay brings mobile money and bank account services to underserved communities through authorised local agents. Instead of opening a MicroPay branch, businesses — shops, pharmacies, trading centres — become MicroPay agents who serve customers directly.

An agent's role is to register customers, educate them on how it works, and handle cash deposits and withdrawals to their wallet or bank account — all from a single device.

Because the system is network-independent, agents serve customers on all telecom networks from one point.

Every deposit, withdrawal, or transfer an agent processes earns them a commission on that transaction.

MicroPay Money Mobile Agent's key tasks

✓ Register Customers for MicroPay Mobile Money

✓ Educate Customers on MicroPay Mobile Money

✓ Deposit cash into Registered Customer MicroPay Mobile Money Accounts

✓ Process cash Withdrawals

✓ Compliance with Mobile Money Regulations business practices

Why become an agent?

Benefits of the MicroPay agent network

Extra income. Loyal customers. A growing network behind you.

Commission on every transaction

Earn a commission each time you process a deposit, withdrawal, transfer, or bill payment. The more you transact, the more you earn.

Increased foot traffic

Becoming a MicroPay agent draws more customers to your business — people who come to transact often buy from you too.

All networks, one device

Serve all telecom customers from a single MicroPay device — no switching.

Full training provided

MicroPay equips every new agent with onboarding training, operational support, and branding materials to get started confidently.

Real-time transaction records

Track every transaction instantly. No paperwork delays — your dashboard reflects every operation the moment it happens.

Licensed & Regulated by Bank of Uganda

MicroPay operates under an official Bank of Uganda license, giving your business credibility and customers the confidence to transact.

§ 03 — How to Join

Becoming an agent in four steps

From first contact to your first transaction, MicroPay guides you through the whole process.

Submit your application

Fill in the form provided by our sales team or visit our Kamwokya office. Provide your basic business details and identification.

Document verification

Our team reviews your documents — LC letter for your area of operation, National ID, business location, trading licence, and proof of premises, with your TIN — and contacts you within 2–3 business days.

Onboarding & training

Attend a brief onboarding session at our office or via our support team. You will receive your device, float guidance, and operational training.

Go live & start earning

Your agent account is activated. Start processing transactions immediately and earn commissions from day one.

§ 04 — Requirements

What you need to apply

Requirements differ slightly by business type. Choose yours below.

a. Sole Proprietorship

Local Council letter

National ID (copy)

Current photo of business premise

Tax Identification Number (TIN)

Trading licence / proof of business

Two passport photos

Valid phone number in agent's name

Bluetooth printer

Android device / POS terminal with 4G

b. Registered Company

Company TIN

National IDs of all directors

Company Forms 1, 18, 20 or 7 (certified copies)

Memorandum & Articles of Association (certified)

Certificate of Incorporation (certified)

Two passport photos per director

Valid phone numbers for all directors

Bluetooth printer

Android device / POS terminal with 4G

§ 05 — How you earn

Commission on every transaction

Agents earn a commission every time they process a transaction — deposits, withdrawals, transfers, bill payments, and airtime top-ups all contribute to your earnings.

The more transactions you process, the more you earn. There is no cap on agent earnings.

No cap

on earnings

Instant

commission credit

Commission structure

Sample rates — contact us for your full schedule

✓

Cash Deposit

Any amount

Per transaction

✓

Cash Withdrawal

Any amount

Per transaction

✓

Peer-to-peer Transfer

Any network

Per transaction

✓

Bill Payment

UEDCL, Water, TV

Per payment

✓

Airtime Top-up

Any telecom

Per top-up

Exact commission rates are shared during agent onboarding. Contact us for your full schedule.

§ 06 — Who can apply

Agency banking suits many business types

If you have a business with regular foot traffic, a stable phone line, and a small float, you can become a MicroPay agent.

General merchandise shops Pharmacies & drug stores Hardware shops Petrol stations Supermarkets Salons & barbershops Mobile money kiosks Stationery & printing shops Betting centres Mini-markets Forex bureaux Cyber cafes

§ 07 — Float Points