Accept payments on any network at the lowest possible fee
Rising mobile money transaction fees and strict biometric/SIM registration rules are forcing Ugandan users to abandon secondary wallets, resulting in 22 million accounts going inactive.
BizSwitch gives small Ugandan businesses a single dashboard to manage multiple mobile money merchant accounts. It dynamically generates the cheapest payment request for each customer based on real-time fees and tells the business which number or QR to share. Automated micro-transfers keep all accounts active so businesses never lose a wallet to biometric inactivity rules.
Ugandan consumers and small businesses previously maintaining 2+ mobile money wallets across networks for cost optimization and convenience
Merchant-focused dynamic payment routing with built-in tax-ready reports and inventory-linked transactions — built exclusively for Ugandan SMEs.
professional and supportive
Generates customer-specific payment requests using cheapest available merchant wallet
Unified view of all business wallets with real-time balances
Schedules tiny transfers between business wallets to maintain activity
Monthly URA-ready transaction summaries
Creates network-specific QR codes and payment links
Stores preferred network per customer to optimize future requests
Connects sales to simple stock tracking
Multiple staff logins with role-based access
Automated end-of-day reports via WhatsApp
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| business_name | text | No |
| owner_phone | text | No |
| tax_id | text | Yes |
| created_at | timestamp | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| business_id | uuid | No |
| provider | text | No |
| merchant_number | text | No |
| balance_ugx | int | Yes |
| last_active | timestamp | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| business_id | uuid | No |
| wallet_id | uuid | No |
| amount_ugx | int | No |
| fee_ugx | int | No |
| customer_phone | text | Yes |
| created_at | timestamp | No |
Relationships:
/api/generate-paymentCreates optimized payment request for a sale
/api/webhook/smsIngestion of payment confirmation SMS
/api/tax-reportGenerates monthly tax report
30 transactions/month
None
Up to 8 staff
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 180 | 18% | $907 | $10,884 |
| Month 6 | 1,650 | 23% | $10,626 | $127,512 |
Stop losing 5-8% on every sale. BizSwitch automatically chooses the cheapest merchant wallet for every customer payment while keeping all your accounts active.
Visit 30 small shops in Kabalagala and Owino Market offering 90 days free Pro in exchange for weekly feedback sessions. Partner with 2 popular Ugandan SME WhatsApp groups (over 5k members each) to run a giveaway of free annual subscriptions. Speak at the monthly Uganda Chamber of Commerce SME webinar to showcase live results.
Wide merchant network
Adds extra layer of fees instead of optimizing existing wallets
Uses your own merchant numbers with zero added commission
Established brand
No wallet health or auto-maintenance features
Focus on keeping all accounts active and minimizing fees
Business transaction data aggregated across thousands of SMEs creates unbeatable routing intelligence. Strong brand trust in the vendor community becomes a moat.
New biometric rules caused many businesses to lose secondary merchant lines. Rising fees are squeezing already thin margins — businesses are desperate for optimization tools right now.
Potential need for payment service provider license
Strictly advisory and informational only; never take custody of funds. Legal review before launch.
Slow merchant adoption in non-urban areas
Start with Kampala vendors and expand via referrals with strong incentives.
Success: Confirmed minimum 22% fee leakage across sample
Success: Average 28% fee reduction and 80% renewal intent
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