Go back to blog homepage

Cloud Interactive Review: What You Need to Know

Cloud Interactive Platforms (CIP) is a technology company that develops and provides cloud-based platforms for mobile operators, businesses, and fintech startups in Africa.

CIP enables these organisations to launch and monetise mobile services and applications, and to connect with their customers in a more engaging and personalized way.

The platform specializes in Digital Embedded Finance and Agency Banking, with a targeted focus on specific industries (SMEs and FMCGs).


Agency Banking

Cloud Interactive enables businesses to provide banking services to their customers through Agency Banking. This includes facilitating various transactions such as deposits, withdrawals, transfers, and account opening. With this service, businesses can extend banking services to their customers, enhancing convenience and accessibility.


The Payments product by Cloud Interactive allows businesses to receive electronic payments from their customers through multiple channels. This includes accepting payments through cards, USSD (Unstructured Supplementary Service Data), direct transfers, and other electronic payment methods. By offering diverse payment options, businesses can cater to the preferences of their customers, streamlining the payment process.Businesses can receive payments electronically from their customers with cards, USSD, direct transfers and more.


Cloud Interactive acts as a payment aggregator, collecting payments on behalf of federal and state governments. This includes services like REMITA and other similar platforms. By providing a centralized platform for payment collections, Cloud Interactive simplifies the payment process for governments and facilitates efficient revenue collection.

Biller Services

Cloud Interactive offers biller services that enable customers to earn income by retailing a variety of Value-Added Services (VAS). These services can include airtime (mobile phone credit), electricity bill payments, cable TV subscriptions, insurance, and more. By partnering with Cloud Interactive, businesses can offer these services to their customers and generate additional revenue streams.

Inventory & Sales Management

Cloud Interactive provides a comprehensive sales and inventory management tool that empowers businesses to sell their retail products efficiently. This tool helps manage product inventory, track sales, and streamline the overall sales process. By leveraging Cloud Interactive's solution, businesses can optimize their inventory management, improve sales performance, and enhance customer satisfaction.


The UCard Trading loan is a short-term loan that is designed to help businesses grow their trading activities. The loan can be used to purchase inventory, cover operating expenses, or make investments.

To qualify for the loan, businesses must have traded for a period of 90 days, have a valid BVN, have a trading value of N418, 000 (Monthly) and must have a trading volume of 154 (Monthly). The monthly interest rate is 10%, and the repayment terms are between 1-12 months.

If you are a business owner who is looking for funding to grow your trading activities, the UCard Trading loan may be a good option for you. However, it is important to carefully consider your needs and the terms of the loan before applying.


Through Cloud Interactive's Ucard app, customers gain access to an extensive marketplace comprising over 500 distributors and manufacturers. This marketplace enables customers to directly order a wide range of goods and services to stock their stores. By connecting customers with reliable suppliers, Cloud Interactive facilitates efficient procurement processes and enables businesses to access a diverse range of products.

In summary, Cloud Interactive's products span various areas, including banking services, payments, collections, biller services, inventory management, lending, and a marketplace platform. These products collectively aim to enhance operational efficiency, drive revenue growth, and provide a seamless experience for both businesses and customers.

How to get a loan from Cloud Interactive nairaCompare

  1. Select ‘UCard Trading Loan’
  2. Read through the information provided on the UCard Trading Loan page to understand more about the provider, and its products.
  3. Begin the application process.
  4. Fill in your personal details and provide all the necessary documents.
  5. Submit your application form for review and processing.
  6. After a successful review of your application, you will receive an email notification confirming that your application has been approved!

Advantages of using Cloud Interactive Platforms

Cloud Interactive Platforms enable organisations to connect with their customers in a more engaging and personalized way.

The company is compliant with local regulations in Africa and has a team of experienced engineers and consultants who can help organisations to get the most out of their platforms.

CIP's platforms are constantly being updated with new features and functionality.

If you are a mobile operator, business, or fintech startup in Africa, Cloud Interactive Platforms can help you to launch and monetize mobile services and applications, and to connect with your customers in a more engaging and personalized way.

Other advantages of using Cloud Interactive Platform include:

Reduced time to market

CIP's platforms enable organizations to launch mobile services and applications faster and more easily. With cloud infrastructure, organizations can quickly provision resources, set up development environments, and deploy their applications without the need for extensive hardware or software setup. This agility allows companies to respond to market demands more rapidly, gaining a competitive edge.

Lower costs

CIP's platforms are cloud-based, meaning organizations can save on the cost of hardware and software. Instead of investing in expensive infrastructure, organizations can leverage cloud resources on a pay-as-you-go basis. This eliminates the need for upfront capital expenditures and reduces operational costs associated with maintenance, upgrades, and infrastructure management.

Increased reach

CIP's platforms enable organizations to reach a wider audience of customers. With cloud-based services, applications can be accessed from anywhere with an internet connection, expanding the potential customer base beyond traditional geographic boundaries. This increased reach opens up new markets and opportunities for organizations to grow their business.

Improved customer engagement

CIP allows organizations to engage with their customers in a more personalized way. By leveraging cloud-based analytics and data processing capabilities, organizations can gather valuable insights about their customers' behavior, preferences, and needs. This data can then be used to deliver targeted and personalized experiences, improving customer satisfaction, loyalty, and overall engagement.


Cloud interactive platforms prioritize security, providing organizations with a high level of data protection. CIP providers invest heavily in robust security measures, including encryption, access controls, regular security audits, and compliance certifications. This helps organizations protect sensitive customer data, prevent unauthorized access, and ensure compliance with industry regulations.


CIP offers 24/7 support, ensuring organizations can access assistance whenever they need it. Cloud platform providers typically provide comprehensive technical support, including troubleshooting, guidance, and best practices. This support can help organizations overcome challenges, optimize their use of cloud services, and ensure a smooth and reliable operation.

Overall, Cloud Interactive Platforms are easy to use, affordable, and scalable, and they offer a high level of security and support.

Downsides of using Cloud Interactive Platforms

Despite its advantages, there are also some drawbacks to using Cloud Interactive Platforms.

Here are some of its disadvantages:

Internet dependency

CIP's platforms rely on the internet, which means that organizations need to have a reliable internet connection.


The platforms can be complex to use, which means that organizations need to have the necessary technical expertise.


They can also be expensive, which means that organisations need to be prepared to invest in them.

Additionally, Cloud Interactive’s platforms may not be suitable for all organisations and may not be able to integrate with all existing systems and applications.

However, if you are looking for a convenient, secure, and affordable way to make payments and send money, then Ucard is a good option to consider.

Visit nairaCompare to know more about Cloud Interactive Platform and other savings and loan provider platforms.

Subscribe To Read Full Post