U-Money

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U-Money is Unitel's Lao mobile-money service, combining a mobile wallet with transfers, bills and service payments. Customers can add funds through supported banks or Umoney and Unitel agents, giving the wallet a cash access network alongside app-based payments and money management.

Use cases:
Initiation:
Users
691K
Markets
1
TPV
$11M
Transactions
5.0M

Estimated Monthly Usage, Aurato Research, November 2026

Historical trends

Capabilities

Funding can come from bank accounts, stored balances and cash; payment approval can use biometrics. The method also supports payouts to customers. Online merchant payments are supported; payments can use LAK as a funding currency.

Markets

Schemes

PSPs

No PSP implementations have been mapped for this method yet.

Compliance

Standards