UPAY 

Established in Dallas, Texas, in 2008, UPAY, Inc. delivers a range of software solutions and services, with a primary focus on the lending industry. The company's core product is the Automated Credit Provider Administration System (ACPAS), a web-based platform for client and loan management, specifically designed for registered lenders operating in South Africa. UPAY also provides a cloud-based loan origination system, enabling its customers to efficiently issue loans, retail various products, manage bill payments, or process recurring subscriptions under defined terms. Complementing its software offerings, the company develops custom websites for clients, resells credit bureau information, acts as an agent for a registered insurance carrier, and serves as a third-party payment processor for debit order transactions. Furthermore, UPAY undertakes custom software development projects and offers general administrative staffing support to a diverse clientele, including businesses with physical branches and those operating entirely online lending platforms.