Making it easy for everyone to pay with a smile Learn more about us

Send · Receive · Pay it Forward

KogoPAY is a socially conscious fintech start-up providing virtual IBANs accounts and a mobile wallet. At KogoPAY, we want to be inclusive, support the unbanked and create an ecosystem to help build a fairer society by aiding, supporting, and advancing community. Download KogoPAY today: give back, and pay it forward.

Let’s strive for a world without poverty.

KogoPAY is the ethical mobile payment system.


KogoPAY is brimming with features designed to make your life easier. Send money to friends and family, pay bills and accept payments using QR codes. In addition, we're working towards a 'Pay it Forward' system which gives users a simple tool to directly help those in need with a coffee or small gift. We'll continue to update our website as we rapidly adapt to consumer needs and bring new services to the KogoPAY app.

Tailor-Made Wallet

Your KogoPAY wallet can be tailored to your needs. Hold funds in multiple currencies and quickly transfer money between them.

Send and Receive Money

With KogoPAY, it's straightforward to send or receive money. The KogoPAY app keeps you up-to-date so that you know when the funds are received.

QR Code Transaction

Make payment easy by displaying KogoPAY QR codes at your fundraising event, festival or food market!

Our Partners

About KogoPAY

Kogo 交互 is a Japanese word meaning mutual or alternative. When chosen as a name for a girl, it means a kind entrepreneur. KogoPAY offers an alternative payment solution which differs from traditional payment infrastructure. Our ecosystem is built out with an ambitious vision to create a fairer world and provide opportunities to others, particularly for the unbanked. Great rates and inexpensive fees underpin the platform and is international money transfer made easy. Use money in a convenient, fast and secure way with KogoPAY. This is not a payment protocol as you recognise it: this is an inclusive system designed to help people along the way.

Kogo News

TechKogo 1st Edition in Dubai
We are pleased to announce our CEO Dr Narisa Chauvidul-Aw is speaking at this event.
Our CEO Dr Narisa Chauvidul-Aw is featured in the official commemorative album for the Queen’s Platinum Jubilee.
New appointment for CEO of KogoPAY