Payment Platform for cooperatives and their members.

Strengthening co-ops viability through secure and convenient digital financial services.

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Enabling co-op members to transact without going to the branch

KAYA’s cloud based digital platform is designed for coop members to fully enable the cooperatives to serve as a hub for all financial services, facilitating all intra cooperative and an inter cooperative transactions on top of providing regular financial transactions.

  • KAYA Mobile Banking
  • KAYA ATM Banking
  • KAYA Debit Card Facility
  • KAYA Merchant Services
  • KAYA Inter-operable Branches
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Overview Image

Enabling coops to stay aligned with their mission of financial inclusion

With KAYA, co-ops are able to remain relevant in the lives of their members as well as expand membership to underserved populations or last-mile communities. Co-ops are able to provide a wide range of formal financial services delivered at affordable costs to their customers.

  • Intra- and inter-coop deposit/withdrawal/transfers
  • Loan application and disbursements
  • Purchases/merchant payments
  • Bills payments
  • Payments for social security premiums and loans
  • Mobile reload
  • Support conditional cash transfer disbursements
  • Payroll disbursements

Enhancing the value of an integrated cooperative network

The initiative is part of the regional strategy of the Asian Confederation of Credit Unions (ACCU) to modernize the savings and credit cooperatives through developing common payments platforms. A shared payment platform will ensure that even small cooperatives will have access to digital tech solutions that will enable them to expand membership as well as the range of services they can offer to current and potential members.

  • Participation in the national payment systems
  • Membership in national ATM consortium
  • Integration to third-party aggregators
  • Compliance to standards and regulation
  • Affordable service subscription
  • Additional revenues
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Easy Transactions

With KAYA, members can now enjoy account and payment services in fast, easy and secure ways.

Inquire Balance/Account Statement

Whether it is balance inquiry, mini statements, available balances, or any other recent transactions, KAYA users can easily view financial details with their KAYA mobile app.

Bill Payments

Paying your co-op, utility, telco, and other bills can be convenient with KAYA’s Bills Payment Service. Regular or one time payments can be easily done through the KAYA mobile app or at any of the KAYA branches.

Bulk Payments

Eliminate the use for checks to disburse loans, payroll, or similar bulk payments. KAYA provides co-ops a cost effective way of doing these transactions through batch online credits to the recipient KAYA accounts.

Funds Transfer

Sending or receiving money is as easy as transferring from your own account to another. Funds transfer can be easily done through the KAYA app, KAYA ATM, or KAYA branch.

Mobile & E-Wallet Top-Up

If you’re short on mobile load, you can use the e-loading service on the KAYA app to top-up your prepaid SIMs or mobile wallets. Buy e-load through KAYA and stay connected with your family and friends.

Apply Loans

Need to take out a loan for your tuition fee, home repair, or to jumpstart your own business? With KAYA, applying for a loan is easy and stress-free, putting your security and ease above all.

Improving efficiency and enhancing coop competitiveness

Delivering products and services that create positive social impact and improve lives and livelihood.






Inter-operable branches


EMV-compliant cards




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Our trusted partners

KAYA is a partnership between ACCU, PFCCO and NATCCO Network. Technology partners are Temenos and Software Group.

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More power, freedom and flexibility with dynamic mobile apps

The KAYA app is designed to maximize security and ease of access for co-op members looking to transact through the convenience of their device. Even with just their mobile phones, KAYA users can make the most out of the services we offer.