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Our Vision
To be the premier digital payment gateway across Rwanda, fostering a borderless financial ecosystem that connects businesses and individuals seamlessly.
Company
Money moves where business happens.
KitovuPay is mobile money infrastructure for African businesses — licensed in Rwanda and built for merchants, institutions, developers, and the customers who pay them.
What guides us
Built for movement, grounded in people.
Technology works best when it makes the complex feel simpler and gives people more room to focus on what matters.
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Our Mission
Providing inclusive, accessible and innovative financial solutions that empower individuals and business across Rwanda.
What we do
We help businesses get paid properly: invoicing, payment links, QR codes, USSD, and APIs on top of licensed collection and disbursement rails. Commerce data lives in our Merchant Services layer; wallets and telco execution live in the core payment gateway — so product teams and finance teams each get a clear system of record.
KitovuPay is licensed by the National Bank of Rwanda as a payment service provider and for remittances. We operate from Kigali and design for how business actually moves money across the continent.
What we offer
Trust & compliance
Safe & Secure Transactions
At KitovuPay, we prioritize the security of our users' data and transactions through robust encryption protocols, multi-factor authentication, and adherence to global compliance standards.
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Robust Encryption
Advanced encryption protocols protecting your data and transactions at every step with AES-256 bit encryption, the same standard used by financial institutions worldwide.
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Multi-Factor Authentication
Multiple layers of security ensuring only authorized access to your accounts, including biometric verification, one-time passwords, and hardware token support.
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Global Compliance
Adherence to local and international financial regulations and standards including PCI DSS Level 1, GDPR, and regional data protection laws.
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Regular Audits
Third-party security audits ensuring highest levels of data protection. Quarterly penetration testing and annual SOC 2 Type II audits by independent firms.
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Fraud Detection
AI-powered real-time fraud detection system that analyzes transaction patterns and blocks suspicious activities before they impact your business.
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Secure Infrastructure
Bank-grade infrastructure with redundant systems, real-time monitoring, and DDoS protection across globally distributed data centers.
Our systems undergo regular third-party audits to ensure the highest levels of data protection and operational integrity. By maintaining rigorous compliance with local and international financial regulations, we safeguard your financial activities while enabling seamless, secure access to our services.
Work with KitovuPay
Merchants, developers, USSD partners, and institutions — we’re happy to walk through fit and go-live.