---
title: "UBAWA: Payment Gateway in Kenya"
description: "Accept and reconcile payments in Kenya via mobile money, bank, USSD, SMS and social. Send bulk payouts, invoice, track transactions and auto-reconcile."
canonical_url: "https://liners.com/ubawa"
markdown_url: "https://liners.com/ubawa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/ubawa/screenshot.webp?v=1773246941058"
published_at: "2026-08-12T06:17:37.381Z"
updated_at: "2026-10-03T17:16:43.121Z"
---

# UBAWA: Payment Gateway in Kenya

Accept and reconcile payments in Kenya via mobile money, bank, USSD, SMS and social. Send bulk payouts, invoice, track transactions and auto-reconcile.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [UBAWA](/ubawa)

## Summary

Accept and reconcile payments across web, USSD, SMS, and social

A Kenyan payment processing platform for businesses and social commerce merchants to accept digital payments, automate reconciliation, send bulk disbursements, and chat with customers.

## Product details

| Field | Value |
| --- | --- |
| Website | https://ubawa.co.ke/ |
| Tagline | Accept and reconcile payments across web, USSD, SMS, and social |
| Primary country | Kenya |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

UBAWA is a Kenyan payment processing platform for businesses and social media entrepreneurs that need to accept digital payments and manage collections across multiple channels.

Key capabilities include:
- **Multi-channel payment acceptance** across **social media**, **mobile money**, **bank payments**, plus channels such as **SMS** and **USSD** (as outlined in the product brief), designed to let customers pay via their preferred method.
- **AI social chatbots for sales and support** that engage customers on **Facebook, Instagram, and WhatsApp**, handle inquiries, guide purchases, and provide always-on support.
- **Invoicing** with flexible digital billing and **automated adjustments** to reduce manual errors.
- **Disbursement portal** and **payment aggregation** tools that support **bulk payments**, **real-time transaction tracking**, reporting, and **automated reconciliation** to reduce discrepancies.

Available on **Web**, with integration support via a **payment processing platform (PAYCLOUD)**.

Target users include **SMEs, merchants, and social commerce sellers** in Kenya who need to collect payments, reconcile transactions, and manage customer engagement from conversational channels.

Notable in the local market context, the company was founded in **2021** and won **Start-up of the Year (Kenya)** at the **2021 African Start-up Awards**, with seed funding reported in **2022** from Platform Capital via Merge.

## Features

- [Fintech](/categories/fintech): Category
- [AI-Powered](/tags/ai-powered): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [Bulk Payments](/tags/bulk-payments): Product feature or technology
- [Conversational AI](/tags/conversational-ai): Product feature or technology
- [Invoicing](/tags/invoicing): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Social Commerce](/tags/social-commerce): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/ubawa/alternatives)
- [Reviews](/ubawa/reviews)
- [Transparency](/ubawa/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/ubawa)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)