Easy, secure, social payments

Ditch the card. Earn discounts and rewards. Buy now, pay later. Join a global community who love UKey.

UKey enables social payments and pay-per-use experiences
Pay-per-use to sip articles and research papers without subscriptions


Buy research papers, news articles, and other digital content without being compelled into long-term subscriptions.

Tap on phone payments

In-store payments

Fast, secure tap to pay. Earn store credits and redeem rewards. Cash free renting of low priced services without hidden surcharges.

UKey unlocks many ways to buy content without subscriptions

More bang for your bucks

Buy hourly passes to stream
Tip your favorite musician
Donate to a cause
Consume content, ads-free

Super App

Send and receive money
Buy now, pay later
Get discounts and rewards
Manage digital assets
Gain deep purchase insights
UKey is a money super app

Security you can trust

Safety and protection

We use best-in-class, bank grade security to safeguard your data, and continuously monitor all transactions that flow through our infrastructure to mitigate fraud.

Privacy controls

We provide easy-to-use privacy controls and transparency on how your data is used. In fact, at UKey, we never share nor sell your information to third party services.


How do I get started?

Use your mobile number to get started and connect your bank account. That's it!

How does UKey Micro work?

You can use UKey to pay for digital assets and services at participating merchants. Pay your bill at the end of each statement cycle--just like paying your utility bill.

I have more questions.

Please email us at and we will gladly answer your questions.

Join a global community and experience the new way to pay.

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© UKey Inc. 2023


Made with 🖤 in Austin and Boston.

UKey Inc. is a financial technology company, not a bank.