What YunusPay does

YunusPay (legally YUNUS SA) is a Cameroon-based mobile financial services company founded in 2021 and headquartered in Yaoundé. The company operates the Campost-YunusPay platform under a strategic partnership with CAMPOST (Cameroon Postal Services, a state-owned entity), providing an integrated suite of e-Bank and e-Assurance services targeting unbanked and underbanked populations. Its product portfolio spans core financial services—mobile money transfers, payments, cash withdrawals, micro-credit, micro-insurance, and goal-based savings—as well as adjacent ecosystem offerings: YunusFuelPay for fuel payments, YunusLight for prepaid solar energy kits, YunusPhone for installment-purchase low-cost smartphones, and YunusInvest for community crowdfunding aligned with CEMAC regulations and UN SDGs. The platform operates through three account tiers (Standard, Premium, Professional) with differentiated wallet ceilings of 2.5M, 4M, and 1B FCFA respectively, and accepts payments via NFC, QR codes, and PoS terminals certified for Visa, Mastercard, and UnionPay.

The technical architecture is mobile-first: a Google Play-distributed smartphone application serves as the primary user interface for self-serve account opening (free, under 10 minutes, no credit card required), while physical cash access is delivered through 800+ CAMPOST agency locations spanning all 10 administrative regions of Cameroon, plus YunusPay kiosks and authorized deposit distributors. PoS terminals with NFC contactless modules and integrated cameras are deployed at CAMPOST sites and strategic merchant locations to extend the digital payment acceptance network.

The business model is predominantly transaction-fee based: 0.3% on transfers (capped at 300 FCFA), 1% on withdrawals (capped at 3,500 FCFA), with free deposits and free merchant payment acceptance. Additional revenue streams include interest from micro-credit, recurring micro-insurance premiums for health/accident/death coverage, and tiered account services. YunusPay is a private Société Anonyme with 11–50 employees, registered capital of 100,000,000 FCFA, and holds a license to use the Yunus™ trademark from its owner Jéhu Ndoumi Ngamga. No external funding rounds, revenue figures, or M&A activity are disclosed.

Name

YunusPay

Legal name

YUNUS SA

Website

https://yunuspay.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

YunusPay is a Cameroon-based mobile financial services company operating the Campost-YunusPay platform in partnership with CAMPOST. It offers e-Bank and e-Assurance services—transfers, payments, micro-credit, micro-insurance, and savings—to unbanked and rural populations across all 10 regions of Cameroon.

Ownership category

akta.pro rank

Product category

Mobile Financial Services

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB), Mobile POS (mPOS) Devices & Handheld Terminals (HDACAKAB)

Keywords

• Mobile financial services
• Mobile payments
• Micro-credit lending
• Micro-insurance products
• Digital wallet services

Headquarters

HQ city

Yaoundé

HQ country

Cameroon

HQ region

Africa

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Money Transfer Fees: Transaction fees on money transfers at 0.3% of amount sent, capped at 300FCFA per transfer
2. Cash Withdrawal Fees: Fees charged on cash withdrawals at 1% of amount, capped at 3500FCFA per withdrawal
3. Micro-Credit Interest: Interest income from micro-credit lending services with flexible repayment plans
4. Micro-Insurance Premiums: Insurance premiums collected for health, accident, and death coverage products
5. Premium Account Fees: Tiered account structure (Standard, Premium, Professional) with differentiated wallet limits potentially generating differential revenue

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

YunusPay (operating as Campost-YunusPay) is a mobile-first financial services ecosystem built on a partnership between Yunus SA and Cameroon Postal Services (CAMPOST). It offers a digital wallet account with three tiers (Standard, Premium, Professional) and an integrated suite of services including money transfers, mobile payments, cash withdrawals, micro-credit, micro-insurance, savings, installment payments, and crowdfunding. Distribution combines a smartphone application with 800+ CAMPOST postal agency locations and certified PoS terminals across all 10 regions of Cameroon, targeting unbanked and underbanked populations as well as merchants.

Product overview

YunusPay (Campost-YunusPay) is a mobile-first financial ecosystem operated as a partnership between CAMPOST (Cameroon Postal Services) and Yunus SA. The platform provides a unified mobile wallet account available in three tiers (Standard, Premium, Professional) that serves as the foundation for an integrated suite of financial services. The core product portfolio includes money transfer, mobile payments, cash withdrawals, micro-credit, micro-insurance, savings, and installment payments. The ecosystem extends to specialized verticals: YunusFuelPay (fuel card aggregation), YunusPhone (low-cost smartphones with offline capabilities), YunusLight (prepaid solar energy kits), and YunusInvest™ (crowdfunding platform). Physical access is supported through CAMPOST agency branches nationwide and YunusPay PoS terminals with Visa/Mastercard/UnionPay certifications. The architecture combines a mobile application frontend with in-person service points to serve both urban and rural populations across Cameroon.

Differentiator

Problem solved

Functional benefit

Brands

• YunusInvest™: Crowdfunding platform that selects projects aligned with CEMAC regulations and UN Sustainable Development Goals, particularly SDG 8.
• YunusFuelPay™
• YunusPhone
• YunusLight

Products and services

• Campost-YunusPay Mobile Wallet Account Foundational mobile wallet account available in three tiers — Standard (wallet ceiling 2,500,000 FCFA), Premium (4,000,000 FCFA) and Professional (1,000,000,000 FCFA) — enabling deposits, withdrawals, transfers, payments and access to all other ecosystem services. Free to open in under 10 minutes via the mobile app.
• Money Transfer (Transfert d'argent) Instant domestic and international money transfer service that lets users send and receive funds via QR code or phone number, priced at 0.3% per transfer (capped at 300 FCFA).
• Mobile Payment (Paiement) Mobile payment service allowing users to pay merchants directly from their YunusPay wallet via QR code or NFC, with instant settlement at the point of sale.
• Cash Withdrawal (Retrait en agence) Cash withdrawal service at CAMPOST agencies and partner locations across Cameroon, priced at 1% per withdrawal (capped at 3,500 FCFA per transaction).
• Micro-Credit Instant small-ticket lending service with flexible repayment plans; loan proceeds are disbursed directly to the user's Campost-YunusPay wallet for personal or business projects.
• Micro-Insurance (Micro-assurance) Micro-insurance product covering health, accident and death-related expenses, with instant digital enrollment, flexible premium payments and real-time claim filing.
• Savings (Épargne) Savings service with goal-based money management that helps users save for specific projects or purchases via flexible plans held inside the YunusPay wallet.
• Installment Payments (Paiement fractionné) Installment payment service that lets users spread the cost of goods and services (including YunusPhone handsets and YunusLight kits) across multiple payments.
• Crowdfunding (YunusInvest) Crowdfunding platform connecting project owners with community funders; YunusInvest curates projects aligned with CEMAC regulations and UN Sustainable Development Goals (notably SDG 8).
• YunusFuelPay Digital fuel card platform that aggregates affiliated fuel stations and lets enterprises and drivers purchase fuel across the network via a closed-loop card system.
• YunusPhone Specialized low-cost mobile phone designed for low-network conditions, with offline content access and preloaded applications for education, health, agriculture and budget management; sold via installment payments.
• YunusLight Prepaid solar energy service that provides individual solar kits with digital management and battery control, payable via installment through the Campost-YunusPay wallet.
• YunusPay PoS Terminal Intelligent point-of-sale terminal with NFC contactless module, touchscreen display and integrated camera, certified by Visa, Mastercard and UnionPay for card, QR code and NFC mobile payments at merchant locations.

Quantifiable outcome

• Free account opening and maintenance with no income requirements, enabling universal access
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Three partnerships are on record, tiered core.

• CAMPOST (Cameroon Postal Services)coreStrategic or Co-development PartnerStrategic partnership with Cameroon Postal Services (CAMPOST) to deploy and operate the YUNUS™ mobile financial ecosystem. CAMPOST provides the physical network of 800+ agency locations nationwide for cash deposits, withdrawals, and account services, while Yunus SA provides the technology platform and financial services. This partnership enables financial inclusion in areas where traditional banks cannot operate.
• Visa, Mastercard, UnionPaycoreTechnology or IntegrationPayment network certifications for PoS terminals enabling acceptance of international card payments alongside mobile NFC and QR code payments.
• Jéhu Ndoumi NgamgacoreOthersIndividual who holds the Yunus™ trademark license, enabling the use of the brand name for the mobile financial services ecosystem.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MTN Mobile Money (MoMo): MTN's mobile money service operates in Cameroon and across Africa, offering wallets, transfers, payments, and merchant acceptance — directly competing with YunusPay for the same unbanked and underbanked customer base in Cameroon.
• Orange Money Cameroun: Orange's mobile money arm operates a major wallet, transfer, and merchant payment network in Cameroon, with deep agent distribution and brand recognition among Cameroon's unbanked — directly overlapping YunusPay's core offering.
• Express Union Mobile: Cameroon-based microfinance and money transfer operator with mobile wallet services, competing with YunusPay in domestic transfers, deposits, and cash-in/cash-out for unbanked users in Cameroon.
• Airtel Money Cameroon: Airtel's mobile money service provides wallet, transfer, and merchant payment functionality in Cameroon, targeting the same low-income and unbanked segments as YunusPay through telecom-tied distribution.

Broad incumbents

• Ecobank Cameroon: Pan-African bank with retail and digital banking operations in Cameroon, offering wallets, transfers, and merchant services as part of a much broader financial product portfolio — a broad incumbent that overlaps with YunusPay in digital financial inclusion.
• UBA Cameroon (United Bank for Africa): Pan-African commercial bank with digital banking, transfers, and merchant payment products in Cameroon — a broader incumbent whose digital and agent banking capabilities overlap with YunusPay's inclusive financial services.
• M-Pesa (Vodafone/Safaricom): The original and largest mobile money platform globally, operating across multiple African markets with agent distribution and a comprehensive wallet, credit, and savings ecosystem — a model benchmark and indirect competitor as cross-border expansion beckons.

Others

• MFS Africa (Onafriq): Pan-African digital payments hub connecting mobile wallets, banks, and remittance operators across the continent — a key infrastructure provider enabling interoperability that YunusPay's transfer and payment services can leverage or compete with.

Emerging players

• JUMO: Africa- and Asia-focused digital financial services platform providing credit, savings, and wallet products to underbanked users — an emerging player with comparable financial inclusion focus and micro-credit capability overlapping YunusPay's lending products.
• Kolo Pay: Emerging African fintech offering digital wallets and payments, with comparable financial inclusion mission targeting unbanked users across West and Central Africa — adjacent emerging player intersecting with YunusPay's wallet and transfer services.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/yunus-s-a

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about YunusPay