Slide Let us pay your suppliers Pay us later. A way to keep your business earning. Start Today Slide Let us pay your workers Pay us later. A way to make your payroll on time. Start Today Slide Use us to get credit to purchase and pay later. Here is a pathway to enviable financial health Register Today Slide Access your salary anytime Request an advance. A way to keep enough cash on you. Register Today

Use us to get credit to purchase and pay later.


Let us pay you early

We pay your invoices early at a discount, and your customers pay us later. Use this cash to pay for your purchases on time.

Get our Credit Card

Offer all your workers credit cards to enable them access their wages early anytime.

Send electronic invoices

Send or receive invoices from suppliers and instantly approve or disapprove them. Make full or installment payments that you can track.

Receive or Make Payments

Receive mobile payments via your website using our gateway or make payments to bank or mobile money accounts instantly.
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One Account With Amazing Benefits

Increases Income 30%
Expands customer base 40%
Lowers Cost of Capital 50%
Saves You Time 70%

Our Impact

We enable you steady your income, stabilize your expenses and grow your cash balances.

Served Accounts

300 +

Purchase Volumes

$ 5.4 M+

Settled Payments

$ 3.6 M+

Syndicated Factoring

$ 2.1 M+

Come On, Open Your Account Today!

Whether you are small or large, you matter to us. We become your long term partner.
  • For sole traders, freelancers, employees and individuals.
  • For companies, partnerships, cooperatives, NGOs or associations.

An App Designed for enterprises, their workers and suppliers.

Use us to get credit to purchase and pay later.

Frequently Asked Questions

It’s our pleasure to answer any questions you have
Why should I open a Patasente Account?
You use your account to get credit to purchase and pay later. As an employee, you can get your wages early anytime using our credit card. You can receive or make payments and also pay bills. As a business, you get credit to pay workers, suppliers and also get paid early against your invoices.
Is my account secure?
We have a data protection and privacy policy in place. We employ international enterprise grade security that requires your own authentication for all transactions off your account. All your data is encrypted in cloud storage with a requirement for self authorization for data sharing.
Do I need collateral to get credit?
No, we don't require physical collateral. As a worker, you wages are your security. When you access your wage or salary early, working with your employer, we deduct the advanced amount. As a business, your receivables - invoices to customers- are your security. We pay you early at a discount, then your buyer pays us when your invoices are due.
What is the interest/factoring rate?
The factoring rate ranges between 3%-5% of invoice value based on the credit score of your employer or buyer. The rate is also a multiple of time based on a 1-180 days invoice payment term.
How long does it take to get credit?
It takes a maximum of 48 hrs to get factored, if you have a verified Patasente Account and are doing business with a buyer or working with an employer that has a Patasente Credit Score. For any of these buyers/employers- we allow their workers to get early access to their wages and suppliers to be paid early.
Can I accept mobile and card payments into my account?
Yes You Can. Simply integrate the Patasente Gateway into your online Point of Sale like website to accept payments or donations from mobile money ( Airtel or MTN) and card payments ( Visa or MasterCard) OR create a shareable link to collect payments via social media- WhatsApp, Messenger etc. Withdraw your collections to your MM or Bank Account.
Can I link up my other accounts with Patasente?
Yes You Can. Simply login into your account, visit the Payment Settings and add your mobile money or bank account. Effectively, you can withdraw to or receive direct payments to those accounts from other Patasente Account Holders.
Can I pay bills?
Yes You Can. Simply login into your account, access your Wallet Section and Select Pay Bills. You can buy airtime, data, electricity, URA taxes etc. You can also pay other supplier bills by simply clicking on Pay Invoices.

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