UPAY offers a cloud-based loan origination software system that enables customers to grant loans, sell products, pay bills, or pay monthly subscriptions on terms. The management team brings over 50 years of combined experience in the credit and fintech sectors, integrating diverse expertise into fully comprehensive fintech solutions. The company operates as a micro-cap OTC public company with a dual geographic focus on emerging African markets and North American expansion.
Cyborg Score Rationale
As of November 2025, UPAY has trailing 12-month revenue of $684K, reflecting extremely limited scale. The company has 16 total employees and a current market cap of approximately $15.7M with 17.5M shares. Limited analyst coverage and historical fund-raising challenges constrain growth trajectory.
Top Insights
UPAY provides web-based loan administration software with credit bureau product resales, insurance agency services, and third-party payment processing capabilities
UPAY has acquired AML, indicating selective M&A activity to expand capabilities
UPAY qualified to trade on the OTCQB Venture Market in September 2022, marking progression from pink sheets
The company is driven by fintech transformation potential and systems that streamline operations while reducing administrative burdens
Named Competitors
LOS — Loan origination software for credit providers
Ready Capital — Lending platform and asset management services
Merchant Warehouse — Payment processing and merchant solutions
Recent Developments
(April 2025) AML GO subsidiary experienced significant growth with 30 new clients
(June 2025) ACPAS powers device financing for flagship U.S. tech brand in South African retail
(September 2025) Richard K. Pellerin appointed to board
Open the full interactive UPAY, Inc. report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.