UP®, also recognized as Unified Payments or Unified Payment Services Limited, constitutes a consortium of companies providing a spectrum of services, encompassing Financial Technology, Banking, Payment Scheme, Digital Commerce, Value Added Service, Payment Solutions, and Software Solutions. The UP® Group is composed of the following entities: (i) UP®, Nigeria's premier financial technology service provider, (ii) Hope PSBank, Nigeria's premier payment service bank, (iii) Payattitude®, a digital-first payment scheme, (iv) UP Digital, a telecom value-added service provider, and (v) TM30, a software solutions provider.

Owned by a consortium of prominent Nigerian banks, UP® originated as SmartCard Nigeria Plc and was later known as ValuCard Nigeria Plc. Following the decommissioning of our domestic card scheme and the evolution into a scheme-neutral financial and technology services group, the company adopted the name Unified Payment Services Limited, also known as UP® or Unified Payments®. The trademarks and brands associated with the UP Group include UP®, Payattitude, Payarena, Payarena Mall, Payarena Verification, Payarena VAS, Hope PSBank, UP Digital, and TM30.

At UP®, we take pride in our mission statement centered on Professionalism, Respect, Innovation, Dependability, and Execution (PRIDE). Demonstrating our cross-enterprise alliances and capabilities, companies within the UP® group offer diverse services to various businesses providing similar or identical services to ours, our subsidiaries, or associates.