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Our Mission

To make modern, compliant, and scalable banking technology accessible to every institution, regardless of size, geography, or legacy infrastructure.

We aim to:

  • Empower institutions to launch digital banking services quickly and securely.

  • Simplify compliance with embedded AML/CFT, KYC, and regulatory frameworks.

  • Accelerate innovation through modular, open APIs and composable architectures.

  • Promote inclusion by enabling banks and fintechs to reach underserved communities.

Welcome to PayFlo

Banking in a Box ,Built to Power the Future of Finance

Payflo by uBits Technology is a next-generation modular banking platform designed to help financial institutions launch, scale, and run modern banks faster and more efficiently.
From core banking and card switching to digital channels, RegTech, and compliance, Payflo unifies every critical component of financial operations into one powerful, cloud-ready ecosystem ,helping organizations bring new products to market in weeks, not years.

Our story

A Vision Born from Inclusion

Payflo was created out of a vision to close the financial access gap. Too many people and businesses across emerging markets were excluded from quality financial services, not because of regulation or demand, but because the technology behind banking was outdated, slow, and inaccessible.

Milestones

Our Journey of Innovation

From a bold idea in 2010 to a global fintech platform serving millions, Payflo’s journey reflects our unwavering drive to transform financial access. Each milestone marks progress toward our vision of building a more inclusive, connected, and intelligent banking world

Our Commitment

Secure, Scalable, Human Technology that empowers the future of finance.

We are committed to delivering enterprise-grade financial technology that institutions can depend on every hour, every transaction, every interaction. At Payflo, reliability, compliance, and scalability aren’t features ,they’re foundations.

Our team continuously refines and evolves our platform to stay ahead of industry, regulatory, and customer needs. We stand by our partners as they transform operations and deliver exceptional financial experiences to their customers ,securely, seamlessly, and at scale.

The system has produced a significant competitive advantage in the industry thanks to Ubits well-thought-out opinions. They shouldered the burden of constantly updating a project management tool with a high level of detail and were committed to producing the best possible solution.

Andre

Cline

We tried another company that one of our partners had used but it didn’t work out. I feel that Ubits does a better investigation of what we’re asking for. They tell us how they plan to do a task and ask if that works for us. We chose them because their method worked with us.

Mark

Blue Label Telecoms

Ubits is the firm to work with if you want to keep up to high standards. The professional workflows they stick to result in exceptional quality. Important, they help you think with the business logic of your application and they don’t blindly follow what you are saying, which is super important. Overall, I have great skills, good communication, and I’m happy with the results so far.

Collet

Botswana Diamond Bank

Ubits is flexible, efficient, and extremely good at planning and being proactive. Ubits is more flexible than other development companies I’ve worked with. They have also been very proactive in their approach throughout the project, seeking to understand the needs and the reasons behind them before launching into development, which has been helpful for maintaining direction and consistency, especially because the end client is regularly generating new ideas for added features.

Stephen

- CEO MNI Bank
Read More

Check our recent articles

Artificial Intelligence is reshaping the future of banking, turning data into decisions, and transactions into experiences. From predictive analytics to market forecasting, AI enables financial institutions to anticipate customer needs, detect fraud in real time, and unlock new revenue models. In this blog series, we’ll explore how AI is transforming digital banking , from smarter lending and personalized financial services to intelligent automation and next-generation customer engagement.

Contact Us

Questions? Get in touch!


    Banking in a Box!

    Payflo is a modular banking and payments platform by uBits Technology. All trademarks are the property of their respective owners. EMV® is a registered trademark in the UAE and other countries and an unregistered trademark elsewhere. PCI refers to the Payment Card Industry Data Security Standard.

    Address

    API Trio Towers, Dubai, United Arab Emirates

    Say Hello

    info@ubitstechnology.com

    Payflo© 2026 uBits Technology, Dubai, United Arab Emirates. . All rights reserved.