American Express Nigeria - UP

More Rewards American Express Card

Become a merchant with American Express's partner in Nigeria, UP.



Contact UP

Phone number: +234 (1) 2703010



About UP


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.


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



Services & Solutions


UP’s major businesses are (i) Processing; (ii) Merchant Services; (iii) Payment Terminal Service Provider (PTSP); (iv) Switching; (v) Payment Solution Service Provider (PSSP); (vi) Value-Added Services; (vii) FINTECH and bespoke Solutions; (viii) Agency Network