Payment aggregator and gateway for Somalia

Every way to pay. One connection.

KulanPay is a single, regulated platform that brings together the banks, mobile money operators and card networks Somalis already use — so one integration is all a business or a person ever needs.

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One integration. One settlement relationship.

The problem

High adoption. Low interoperability.

Somalia is one of the most digitally paid societies in the world — mobile money transaction volumes routinely exceed the size of the formal banking sector. Yet that adoption has not produced a connected market.

Today
ABC 123

Every business builds and maintains a separate connection to every provider.

With KulanPay
Kulan ABC 123

One contract, one integration, one settlement relationship.

  • Closed loops

    Each mobile money operator runs a largely closed system, so wallets on different networks cannot reach one another.

  • Bilateral builds

    Banks and telcos rarely connect directly, which leaves every business to integrate each provider separately.

  • The provider decides the reach

    A customer’s choice of provider still determines who they can and cannot pay.

What we do

Two functions. One regulated platform.

KulanPay combines payment aggregation and a payment gateway on the same licensed platform, so collecting money and moving money run on one set of rails.

01 Collect from everyone, through one integration

Payment Aggregation

For merchants, billers and platforms, one integration to KulanPay opens up collection through every connected bank, mobile money operator and card network. Businesses hold one contract and one technical integration instead of many, with onboarding, routing and settlement handled centrally.

  • One contract instead of many
  • Central onboarding, routing and settlement
  • Unified reconciliation across every channel
  • New payment methods added by configuration
Start collecting

02 Move money between banks and wallets

Payment Gateway

For individuals and businesses moving money, KulanPay provides the rails that carry a payment from one bank or wallet into another, connecting to the National Payments Switch and directly to participating banks and mobile money operators. Wallets that are closed loop today become part of one interoperable network.

  • Bank to wallet and wallet to bank transfers
  • Connection to the National Payments Switch
  • Direct links to participating providers
  • Consistent settlement timelines
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Who we serve

Built for everyone on the payment chain.

From a single shop counter to a national agency, the same connection carries the payment.

Merchants & Retailers

Accept payment from any bank or mobile money customer through one point-of-sale or online integration.

E-commerce & Digital Platforms

A single payment API to collect from customers across all major channels, with unified reconciliation.

Billers & Service Providers

Recurring and one-off bill collection — utilities, school fees, subscriptions — across banks and wallets.

Financial Institutions & Telcos

Access a shared interoperability layer without building a separate integration with every other provider.

Individuals

Move money between your own bank and mobile money accounts, or send to people on a different provider.

Government

Accept payment from any bank or mobile money customer, through one connection.

How it works

Connect once. Accept everything.

Three steps from your first integration to money settled in your account.

  1. 01

    Connect

    Integrate once with a single API and dashboard. One contract and one technical connection cover every channel on the network.

  2. 02

    Accept & Route

    Payments arrive from any connected bank, wallet or card. KulanPay routes each one to the right provider, with USSD and SMS confirmation alongside app and web.

  3. 03

    Reconcile & Settle

    Every channel reports into one reconciliation view, with consistent settlement timelines and full audit logging behind it.

The network

Somalia’s payment ecosystem, connected through one platform.

Every licensed bank, mobile money operator and card network connects through one standard interface, with equal access and consistent settlement timelines.

Payment channels

Who we serve

KulanPay
  • Banks Licensed banks connect through one standard interface.
  • Mobile Money Operators Closed-loop wallets join one interoperable network.
  • Card Networks Card acceptance through the same single integration.
  • National Payments Switch The national interoperability backbone.
  • Businesses Collect from every channel through one connection.
  • Government Accept payment from any bank or wallet customer.
  • Individuals Send and receive across any provider.

Channel neutral by design. KulanPay is built to work with the National Payments Switch as the national interoperability backbone.

Why KulanPay

One connection, four advantages.

What changes for a business, a provider and the wider financial sector when the channels come together.

  1. One Integration

    One contract and one technical connection open up collection through every connected bank, mobile money operator and card network. Accepting a new payment method becomes a configuration change, not a new project.

  2. Interoperability

    Payments move between banks and wallets that do not connect directly today, built to work with the National Payments Switch as the national interoperability backbone.

  3. Unified Settlement

    One settlement relationship and one reconciliation view across every channel, with consistent settlement timelines whichever provider the customer used.

  4. Regulated & Auditable

    Licensed by the relevant authorities, with AML/CFT controls, transaction monitoring and audit logging built into the core platform rather than added on top.

Vision

Building a more connected payment future for Somalia.

To build an environment where any business, government agency, or individual can send, receive, and collect payments seamlessly, through whichever bank or mobile money account they already trust.

Our mission

To operate Somalia’s leading licensed payment aggregation and gateway platform — reducing the cost and complexity of digital payment acceptance, expanding financial access, and strengthening the reliability of the country’s payment infrastructure.

  • Channel neutrality

    Every licensed bank, mobile money operator and card network connects through one standard interface, with equal access and consistent settlement timelines.

  • Regulated by design

    AML/CFT controls, transaction monitoring and audit logging are built into the core platform.

  • Interoperability first

    Built to work with the National Payments Switch as the national interoperability backbone.

  • Merchant and developer friendly

    A single API and dashboard, so adding a payment method is a configuration change.

  • Built for the market

    USSD and SMS confirmation alongside app and web, reaching customers without smartphones or reliable data.

Get started

Ready to connect your payments?

Tell us what you need to collect or move, and we will come back to you with the right way to connect.

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