The usage of mobile payment apps increased from a 13% in 2014 to a 70% in 2017 in the US. Even so, although this growth has been remarkable, it still far from mass adoption, and the market is still in its new stage, and expert’s predictions still show a future exponential growth in both money trade and the value of the market. To be more specific, today the m-payment apps are worth around $75 billion dollars. That figure should swell to $503 billion by 2020 thanks to advancements in mobile payments technology. Also, more than $800 billion will be exchanged at the end of 2018 via mobile payments, them being P2P transfers or B2P payments. With the market still in its development stage, the enormous room it has to grow and the eagerness of it to adopt new technologies to simplify our lives, we have created U-Pay, an ingenuous and revolutionary m-payment application designed for the university campus. The U-Pay mobile application offers its users instant payments in business via QR codes and instant transactions between individuals or groups. There are Premium and extra services for those who want to take advantage of them. U-Pay also helps its users start new projects as it offers the user the possibility to charge other users in his own business/company. It is a mobile app designed and thought for every age and every kind of user. What differentiates U-Pay from its competitors is the way we tackle the market. Instead of just launching a mobile application and trying to promote it and let it sell itself, we focus on a particular market, the university. By building bridges with universities and offering them our services we make sure that a significant percentage of its students download our app. Also, we ensure ourselves with a constant flow of new downloads from new students every year. We push ourselves into the lives of our target clients, and by offering a top of the market product and service we create a need that these public did not know they had. Once taking part of the daily life of our users, we can confirm an expansion outside the university into other small businesses thus guaranteeing the constant growth of U-Pay.