UP® otherwise known as Unified Payment Services Limited is Nigeria’s premier Payments & Financial Technology company founded in 1997 by a consortium of leading Nigerian banks. UP® operates as a shared infrastructure for the banking community in Nigeria and Payments Service Provider within and outside Nigeria, with a vision to be the most preferred e-payment service provider in Africa.

At UP, they PRIDE theirselves in their mission statement of Professionalism, Respect, Innovation, Dependability, and Execution. Incorporated as SmartCard Nigeria Plc, their Company was later known as ValuCard Nigeria Plc prior to becoming UP or Unified Payments following the decommissioning of odomestic-only payment or card scheme and transformation to scheme-neutral and option-neutral PayFinTech company with ownership of different technologies.

In demonstration of  cross-enterprise alliances and capabilities, UP® is the first and only non-bank entity in Nigeria that is Principal Member or Licensed Acquirer of all of American Express, Mastercard, PayAttitude, UnionPay, and Visa.