Does Uganda accept Credit Card Payments? Traveling to a new country often raises questions about how to handle payments and manage expenses, especially in places where digital infrastructure is still developing. If you’re planning a trip to Uganda—whether for tourism, business, or volunteering—one of the key concerns you might have is: Does Uganda accept credit card payments? The short answer is yes, but with some limitations.

Uganda’s financial and technological landscape has evolved significantly over the past decade. In major cities like Kampala and Entebbe, and in upscale hotels, restaurants, supermarkets, and tour agencies like Kenlink Tours, credit card payments are commonly accepted. International cards such as Visa and MasterCard are the most widely recognized. However, American Express and Discover are less frequently used. Mobile money services like MTN Mobile Money and Airtel Money are even more popular than card transactions in rural areas, where card readers may be unavailable.

Understanding where and when you can use your credit card is essential for avoiding inconvenience or delays during your stay. Our team at Kenlink Tours has designed this blog to guide you through the realities of using credit cards in Uganda, covering the types accepted, where they work best, associated fees, security tips, and helpful travel advice to make your experience smoother and more enjoyable.

Can Credit Cards Be Used for Payments in Uganda?

Yes, credit cards can be used for payments in Uganda, especially in urban areas and at major establishments. Hotels, large supermarkets, shopping malls, upscale restaurants, and tour companies in cities like Kampala, Entebbe, and Jinja often accept international credit cards, particularly Visa and MasterCard. However, in rural towns and smaller shops, credit card use is still limited. It’s always a good idea to confirm card acceptance beforehand to avoid surprises.

What Is the Best Payment Gateway in Uganda?

Uganda has several reliable payment gateways, but Flutterwave and Pesapal are considered the best and most widely used. These platforms allow businesses to accept both local and international payments via cards, mobile money, and bank transfers. They are secure, fast, and user-friendly, making them ideal for both small businesses and larger enterprises. Mobile money integrations also work seamlessly with these gateways, making them very effective in the Ugandan market.

Which Payment Methods Are Available in Uganda?

Uganda offers a variety of payment methods, including:

• Cash (Ugandan Shillings) – Still the most widely used form of payment, especially in rural areas.

• Mobile Money – MTN Mobile Money and Airtel Money dominate the scene and are accepted almost everywhere, from supermarkets to small vendors.

• Credit and Debit Cards – Accepted in upscale hotels, restaurants, malls, and fuel stations in major towns.

• Bank Transfers – Mainly used for large transactions and business dealings.

• Online Gateways – Used by tour companies, hotels, and some e-commerce platforms.

What Is the Easiest Way to Make Payments in Uganda?

The easiest and most reliable way to make payments in Uganda is by using mobile money. It is fast, secure, and widely accepted, even in remote locations. If you plan to stay in Uganda for more than a few days, consider registering a local SIM card from MTN or Airtel to access mobile money services. This method allows you to pay for almost anything—from a meal to a bus ticket—with just a few taps on your phone.

That said, when you land at Entebbe International Airport, it’s highly recommended that you exchange some foreign currency into Ugandan Shillings. While the airport has ATMs and forex bureaus, local services such as food vendors, boda bodas (motorcycle taxis), and matatus (public minibuses) typically don’t accept credit cards or foreign currency. Having some cash on hand makes your transition smoother and helps you navigate the first few hours comfortably.

How Much Does a Dollar or Euro Cost in Uganda?

Exchange rates fluctuate, but as of recent data:

• 1 US Dollar (USD) = approximately 3,800–3,900 Ugandan Shillings (UGX)

• 1 Euro (EUR) = approximately 4,100–4,300 UGX

Rates vary slightly depending on whether you’re exchanging at the airport, a forex bureau, or a bank. For better rates, use forex bureaus in town rather than those at the airport. Avoid street money changers for security reasons.

How Can I Communicate When I Am in Uganda?

Staying connected in Uganda is easy. Here’s how:

1. Mobile SIM Cards
Upon arrival, you can purchase a local SIM card from MTN or Airtel at Entebbe Airport or local shops. The process requires your passport for registration. These SIMs offer excellent coverage, and you can load airtime and mobile data instantly.

2. Internet Access
Most hotels, cafes, and restaurants in towns offer free Wi-Fi. However, if you’re planning to travel upcountry or rely on consistent internet access, buying a data bundle with your local SIM is a better option. Both MTN and Airtel offer affordable packages for social media, browsing, and streaming.

3. Communication Apps
Popular apps like WhatsApp, Telegram, Zoom, Skype, and Messenger work well in Uganda. With your local data bundle or Wi-Fi, you can easily call or video chat internationally.

4. Language
English is Uganda’s official language, so communication is generally easy for English-speaking visitors. Luganda is widely spoken in the central region, and Swahili is also understood in many areas. Learning a few Luganda greetings like “Oli otya?” (How are you?) can earn you smiles and great local connections.

Can i pay for my safari in Uganda with a credit card?

Yes, you can pay for your safari in Uganda with a credit card, especially when booking through reputable tour operators like Kenlink Tours. At Kenlink Tours, we understand the importance of convenience and flexibility, so we accept major credit cards such as Visa and MasterCard for safari bookings. Whether you’re reserving a gorilla trekking experience, wildlife adventure, or cultural tour, we ensure that the payment process is smooth and secure.

Credit card payments can be made through our trusted and secure online payment gateway, allowing you to pay from anywhere in the world. However, it’s important to notify your bank in advance about international transactions to avoid declined payments.

While credit cards are accepted for safari bookings and hotel accommodations, we recommend that you also carry some cash in Ugandan Shillings (UGX) or some money in Your currency we shall help you in exchanging or making local payments for small purchases, local meals, tips, and transport within towns, as many local service providers may not accept cards.

At Kenlink Tours, we’re committed to offering a hassle-free experience from the moment you inquire to the time you return home with unforgettable memories. For more details on payment options or to book your next adventure, feel free to contact us anytime.