1. Overview

ODELPay HUB routes mobile-money, card and bank collections and payouts through payment service providers (PSPs) licensed under Uganda's National Payment Systems Act, 2020 (or the equivalent law where an institution operates). ODELPay HUB itself is software: it is not a bank and is not licensed by the Bank of Uganda as a payment service provider. The platform operator enables or disables rails per Master Admin policy. Institutions do not directly hold PSP credentials unless documented for a dedicated integration.

The TON network is a public blockchain, not a licensed provider. The OpenPayGB card is a closed-loop platform balance operated by the platform, not a bank account or a card issued on an international card network.

2. Provider selection

Rails are chosen based on geography and jurisdiction (e.g. Uganda UGX MoMo), institution tier, checkout context (guest tuition vs card top-up vs workspace SaaS billing vs LiveStore / payment-link / bills merchant checkout vs Dex-related flows), and operational readiness (webhook health, configuration). Master Admin may turn off a provider during incidents. Workspace SaaS MoMo collections may include an optional transparent “MoMo processing” surcharge — never a tuition checkout fee — and it is always shown before you pay.

3. Checkout presentation and fees

Checkout displays the brand label configured for each rail (e.g. OpenPayGB via LivePay, Mbiyo, Relworx, VixonPay). TON Connect and OpenPayGB card use platform-operated ledgers with separate confirmation flows. Merchant LiveStore and payment-link checkouts use hosted OpenPayGB MoMo flows under the same provider policy.

The total you pay — including any platform or processing fee — is shown before you confirm. We do not charge fees that were not shown to you. We give at least 30 days' notice (in the product and/or by registered email) before increasing any checkout fee, workspace plan price or OpenPayGB card fee that applies to you; reductions may apply immediately.

4. Provider responsibilities and complaints

Licensed providers are responsible for their own consumer-protection obligations, including disclosure of their charges and handling of complaints about the payments they process. Promotional material produced jointly with a provider is approved by that provider and carries the provider's statement that it is regulated by the Bank of Uganda — that statement describes the provider, not ODELPay HUB.

Raise payment issues first through ODELPay HUB support with your receipt; we will work with the provider. You may also contact the provider directly and, if unresolved, the Bank of Uganda's consumer complaints channel for its licensees.

5. Webhooks & reconciliation

PSP webhooks are verified with shared secrets. Confirmed payments update student balances and receipts; partners may receive signed outbound webhooks. Always reconcile against PSP dashboards for production finance posting. Transient connectivity errors may delay confirmation until retries succeed.

6. Supported providers

Integrations in this deployment: Mbiyo, LivePay, Relworx, VixonPay, TON, the OpenPayGB closed-loop card, and optional bank-card acquiring (Flutterwave or Paystack) when configured. Availability at checkout depends on master policy and configuration.

MTN, MoMo, Airtel, Visa, Mastercard, TON, Telegram, Flutterwave, Paystack, LivePay, Relworx, VixonPay, Mbiyo and other names are trademarks of their owners. They are used only to describe payment options or integrations available on the platform and do not imply endorsement or partnership unless stated in a separate written agreement.

1. Overview

ODELPay HUB routes mobile-money, card and bank collections and payouts through payment service providers (PSPs) licensed under Uganda's National Payment Systems Act, 2020 (or the equivalent law where an institution operates). ODELPay HUB itself is software: it is not a bank and is not licensed by the Bank of Uganda as a payment service provider. The platform operator enables or disables rails per Master Admin policy. Institutions do not directly hold PSP credentials unless documented for a dedicated integration.

The TON network is a public blockchain, not a licensed provider. The OpenPayGB card is a closed-loop platform balance operated by the platform, not a bank account or a card issued on an international card network.

2. Provider selection

Rails are chosen based on geography and jurisdiction (e.g. Uganda UGX MoMo), institution tier, checkout context (guest tuition vs card top-up vs workspace SaaS billing vs LiveStore / payment-link / bills merchant checkout vs Dex-related flows), and operational readiness (webhook health, configuration). Master Admin may turn off a provider during incidents. Workspace SaaS MoMo collections may include an optional transparent “MoMo processing” surcharge — never a tuition checkout fee — and it is always shown before you pay.

3. Checkout presentation and fees

Checkout displays the brand label configured for each rail (e.g. OpenPayGB via LivePay, Mbiyo, Relworx, VixonPay). TON Connect and OpenPayGB card use platform-operated ledgers with separate confirmation flows. Merchant LiveStore and payment-link checkouts use hosted OpenPayGB MoMo flows under the same provider policy.

The total you pay — including any platform or processing fee — is shown before you confirm. We do not charge fees that were not shown to you. We give at least 30 days' notice (in the product and/or by registered email) before increasing any checkout fee, workspace plan price or OpenPayGB card fee that applies to you; reductions may apply immediately.

4. Provider responsibilities and complaints

Licensed providers are responsible for their own consumer-protection obligations, including disclosure of their charges and handling of complaints about the payments they process. Promotional material produced jointly with a provider is approved by that provider and carries the provider's statement that it is regulated by the Bank of Uganda — that statement describes the provider, not ODELPay HUB.

Raise payment issues first through ODELPay HUB support with your receipt; we will work with the provider. You may also contact the provider directly and, if unresolved, the Bank of Uganda's consumer complaints channel for its licensees.

5. Webhooks & reconciliation

PSP webhooks are verified with shared secrets. Confirmed payments update student balances and receipts; partners may receive signed outbound webhooks. Always reconcile against PSP dashboards for production finance posting. Transient connectivity errors may delay confirmation until retries succeed.

6. Supported providers

Integrations in this deployment: Mbiyo, LivePay, Relworx, VixonPay, TON, the OpenPayGB closed-loop card, and optional bank-card acquiring (Flutterwave or Paystack) when configured. Availability at checkout depends on master policy and configuration.

MTN, MoMo, Airtel, Visa, Mastercard, TON, Telegram, Flutterwave, Paystack, LivePay, Relworx, VixonPay, Mbiyo and other names are trademarks of their owners. They are used only to describe payment options or integrations available on the platform and do not imply endorsement or partnership unless stated in a separate written agreement.