UPay is a consumer application gathering a multitude of means of payment, fundraising and money transfer. It allows the user to configure different payment accounts: wallet, credit card, bank account. The user can then move their value units from one account to another. It is possible to do: - payment (electricity bill, water bill, telephone, merchant code, etc.) - receipt of money transfer code - sending money - telephone credit recharge - Bank transactions - centralized management of accounts