Card Processing & Management - Youtap Banking

Mobile Money Operators

Brand and launch your mobile money service in days not weeks.

A Comprehensive Mobile Money Platform for Mobile Operators

Youtap’s mobile money platform solution is a complete package of software, tools, and services that enables the creation and operation of a mobile money platform. The solution includes the following components:

  1. A mobile wallet that allows users to store and transfer money, pay bills, and make purchases using a mobile device.
  2. A back-end system that handles the underlying financial transactions and manages the mobile wallet accounts.
  3. A payment gateway that enables users to make transactions with merchants.
  4. A customer management system that allows operators to manage customer accounts and transactions.
  5. Compliance and security features to ensure compliance with local and international regulations, as well as to protect the platform from fraud and hacking.
  6. An analytics and reporting system that provides insights into platform usage and performance.
  7. A user-friendly interface for both customers and merchants.


Our cloud-based mobile financial services & payments infrastructure provides mobile operators and financial service providers with the flexibility and scalability they need to offer their customers the latest micro financial services (lending, deposits) and payment services.

Our mobile money platform is a technology solution that enables mobile operators, financial institutions, and businesses to offer mobile-based financial services to their customers. Features include:

  1. Mobile Wallet: A digital wallet allows customers to store and manage their money, make payments, and transfer funds using their mobile devices.
  2. Mobile Financial Services: A suite of banking services, such as account management, bill payments, and balance inquiries, that can be accessed through a mobile device.
  3. Mobile Payments: Customers can make payments using their mobile devices, such as mobile point-of-sale (POS) transactions and mobile payments through QR codes.
  4. Mobile Money Transfer: Customers can transfer money between mobile wallets or bank accounts using their mobile devices.
  5. Mobile Top-up: Customers can add money to their mobile phone credit balance using their mobile devices.
  6. Mobile Bill Payment: The ability for customers to pay bills such as utility bills, credit card bills, etc., using their mobile devices.
  7. Security: Advanced security measures to protect customer data and transactions, such as two-factor authentication and encryption.
  8. Reporting and Analytics: Reporting and analytics tools to help businesses track and analyze customer usage, transactions, and revenue.
  9. Integration: Ability to integrate with other systems such as mobile networks (SMS, USSD), banking systems, e-commerce systems, and other back-end systems.
  10. Scalability: The ability to scale the platform to handle large volumes of customers and transactions.
  11. Compliance: The ability to meet various regulatory requirements for mobile money services.


Youtap’s mobile money platform enables the following:

  1. Accessibility: Our platform enables mobile operators to access and provide financial services to customers, even in remote and rural areas. Helping to increase financial inclusion and provide access to financial services for people who may not have had access before.
  2. Convenience: It allows customers to easily manage their money, make payments, and transfer funds using their mobile devices, making it easier for people to access financial services and manage their finances.
  3. Security: Advanced security protects customer data and transactions. Increasing customer trust and confidence in the service.
  4. Integration: The platform can be easily integrated with other systems, such as banking systems, e-commerce systems, and back-end systems, making it more versatile and useful for businesses.
  5. Innovation: Youtap is constantly innovating and introducing new services, including loyalty and rewards, mobile lending, buy now, pay later, and savings, to meet the evolving needs of its customers.

Our integrated Loyalty and Rewards management platform enables you to provide rewards, points, and cashbacks to your customers. Customize your offering and launch.

Provide a range of closed and open loop services to your customers including payments, cash management (cash in and Cash out), bill payment and airtime top-up.  Reward you customers with our loyalty module with redeemable points and vouchers or cash backs.

Link a companion Visa and MasterCards for access to ATM networks and in-store and online payments.

Provide a range of financial services to your customers, including cash management (cash in and cash out), domestic and international remittance, microfinance services, insurance, lending, and investment. A robust set of APIs provides integration to third-party financial institutions fast and straightforward.

Link a companion Visa and MasterCards to access ATM networks and in-store and online payments.


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