Definitive Guide: How To Receive Online Payments In Uganda

If you have been on the lookout on how to receive online payments in Uganda or to withdraw your funds, this is a guide I would recommend. I suppose you have browsed the whole internet but with no solution only to find a few plagiarized articles here and there.

Well, i have faced the same challenge for a good period of time. I always wanted to write this article on how to receive online payments in Uganda but then, i also didn’t want that it article looks like the others you have been reading over the internet and moreover giving you the same alternatives which probably haven’t been tested by the authors themselves.

Having operated an online store for now about four years in a row, i would like to put my experience for you by writing a definitive guide on how to receive online payments in Uganda. I have honestly tried to look out for the most convenient way to this in the last couple of years. The challenge here may not be getting the funds into your online account. Lets say you’re selling something on Amazon. Like, i have sold copies of my email security ebook, or getting funds into your payment gateway.

The challenge is about getting the funds in your Uganda bank account or local payment processor. As this is one of the biggest challenges i have faced in the last couple of years. Imagine, if you aren’t going to purchase any product or service online. Let’s say ordering something on Aliexpress, eBay or purchasing a hosting account, there are very few or not even any business in Uganda where you would check in physically and ask if they will accept your Paypal money, or from any other payment gateway.

Most or if not every store or business in Uganda requires you to make cash payments. The few that will accept card payments ie, using your credit or debit card (Visa, MasterCard, American Express) will limit you to using it on only POS (Point Of Sale) machines/terminals. This means that you will be exempted from using your card to make payments online. Ie, ordering a dress or headsets from an online store of your choose.

Posta Uganda Note

Posta Uganda Note

So in this guide, I would like to give as much details as possible so as to enable you to have your funds in cash and here I meant getting your account balances from your PayPal account, or from any payment gateways.

NOTE: I have personally in one way or another tried out all the suggestions i write here. Most of them have been through practical experience gained in the last years carrying out online payments and transactions. In no way will i write or recommend something i haven’t tested. And if any, i will also mention.

Having that said, lets dive in. I will split this guide on how to receive online payments in Uganda into two phases.

To Read: Are Bitcoins And Altcoins Cryptocurrencies A Scam?

1. Receive Payments From Paypal

You have in someway or another hard of paypal. It’s arguably the largest online payment gateway in the world.  In simple terms, you can use paypal to send and receive payments to friends and family, online stores, book airline tickets just to mention but a few. As per writing is article on how to receive online payments in Uganda, PayPal accounts holders here (Uganda) aren’t in position to receive in account payments.


How-To-Receive-Online-Payments-In-Uganda-[booking airline-ticket]

The trick used by PayPal users in Uganda is to open an account based in another country where PayPal permits receiving account payments ie in Kenya. Having that mentioned.

Lets see how to receive Paypal payments in Uganda.

Step 1: Open/sign up PayPal account based in another country where paypal permits receiving of funds into your account.

Step 2: Verify your account with a phone number (with that country code) and email.

Step 3: Then start to accept payments. Please make sure NOT to link a Ugandan based credit card/debit card into your paypal account that’s based in another country. Paypal will decline your account since she only verifies your card basing on its holder/bank address.

Step 4: When the payment/s jet into your account, perhaps from a friend based in another country, business or a donation. Then here is where the hustle begins. Getting your funds into your Ugandan bank account, mobile money, western union or physical cash.

Three Ways To Withdraw Paypal Funds / Money In Uganda.

Note: Since your paypal account isn’t linked to any bank or card due to address verification, you’re not in position to send this money to any other account or friends since paypal will require you to add a source of funds normally a credit / debit card or bank account. However, there is an option for individual paypal account holders. In your account => under settings => source of funds, you simply change that to paypal balance. For business merchant paypal account holders, there isn’t this option as of writing this guide.

#1. Oracle Exchange



Oracle Exchange is a retail business, which sells, buys and exchanges digital ‘currency’ units online. So basically, you will order for a service from them such as, paypal to western union, paypal to money gram, paypal to credit card or even paypal to money gram. This means that you will use your paypal balance to actually order and pay for any of those services.

In the process of ordering, lets say, you will receive your paypal funds via western union, you will be required to order for the service paypal to website union. You enter the amount you want to receive in USD, then add there commission which USD 10+, then also pay for the transaction its self.




These guys have been at this thing for a while. I have used there services and i would recommend. Via just an email, i managed to order for a withdraw of an amount from my paypal balance. Off that, i paid 10% commission plus a few charges i witnessed as a conversion from USD to UGX into my mobile money account. I would again stress that i could not use my merchant account to withdraw the funds, so what we did was actually ordering a service from them via an online store equivalent to the money i actually wanted. Then, there team offered it as payment. This was a win win situation for both sides.




Payzug is also a Ugandan based online payment platform developed by Pro Media Systems (U) LTD. With this platform, you’re able to signup for an account. The account avails you with a float. The float is actually the money you’re able to withdraw. A 10% commission is paid to them automatically .

The down size of this system is that it limits you on the amount of money you can withdraw at a particular period of time as the float keeps changing. However, one thing i would say is that, they’re genuine. I personally tried a couple of transactions which failed since i was ordering exactly the float limit and hence the transaction couldn’t get through.

However, there team always issued a refund of the funds into my paypal account. It should also be noted that once the transaction is a success, it is instantly issued to your mobile money account.

The Other Ways on How To Withdraw Paypal Funds / Money in Uganda

1Paypal Funds into Bitcons and then exchange Bitcons into your local bank or into your visa / master card, i haven’t tried out this myself. But according to reviews in different forums, i read that it was a success to the users.

2. Signing up for a Payoneer MasterCard. The payoneer system simply works like, Sign up to Payoneer => Receive Payments to your Payoneer account from companies worldwide => Withdraw funds to your local bank or via Prepaid card. In this case, by simply own a payoneer mastercard, you can link it up with your paypal account. With this, you are able to withdraw your paypal funds directly onto your payoneer MasterCard instantly. You can then withdraw your money in Uganda anywhere on an ATM that accepts MasterCards.

Recommended: 4 Legit Ways To Make Money On The Internet In Uganda

2. Receive Payments From a Merchant Account / Payment Gateway

If you’re running an online store, lets say a clothing store, supermarket, website hosting and domain registration store, money transfer, just to mention but a few. You need a payment gateway.

A payment gateway simply provides you with an Application Programming Interface which you have to integrate with your online store and begin to seamlessly accept and receive payments. In order to start receiving payments, one needs to singup for a merchant account with the payment gateway company of their choice.

In Uganda, if you’re looking at receiving payments from buyers who use mobile money, credit and debit cards, there’re many players in the industry providing you with simple and secure payments to have this solved. I have personally tried out services from Pesapal, Beyonic and Dusupay.

With pesapal, you are in the position to signup for a merchant account, and here you will be able to get an API to integrate with your estore. For those who use WordPress as a cms, you are catered for already with a cool plugin that you simply have to install on your WordPress plugin area.

There after, you’re able to add bank details which will be required in order to transfer funds from your pesapal merchant account into your bank account.  Other payment gateway companies available in Uganda are, Direct Pay Online, Instapay just to mention but a few.

In Conclusion

Hope this guide on how to receive online payments in Uganda has in someway helped you. Receiving your hard earn money from service providers worldwide including ad agencies, eCommerce marketplaces has never been easy. However, i hope that in someway while reading this guide, you have got an idea. I may not have covered your specific area of interest but i suppose these are the basics. If you feel that i left out anything or something needs to be corrected, please don’t hesitate to hook me up.  Also, i welcome your feedback in the comment box below.

Disclaimer:  I am not responsible in any way whatsoever on what happens while carrying out or involved in your transaction. This article is only for knowledge and educational purposes and NOT in any way am i recommending a specific service or product. Therefore, you are responsible for your own actions and decisions.

Last updated: 13th Nov. 2017

  • Techam

    Thank you, Hamza for the write-up.
    I actually find it very detailed and I can’t hesitate from sharing with you an article on how to cancel recurring PayPal payments.

    • Thank you for your feedback.
      Am glad to know that in someway this article helped you.

  • Geofrey

    Doing a great job dude , i love this!!

    • Thank you Geofrey for your feedback.
      Am glad you found this useful to you.
      Don’t forget to subscribe to my list for more cool stuff right in your inbox.