UPAY, Inc. Overview
Pro stress-test →UPAY, Inc. provides a web-based client and loan administration software platform under the automated credit provider administration system (ACPAS) name to registered lenders in South Africa. With established offices in Dallas, Texas, and Centurion & South Africa, the company is strategically positioned to expand its business footprint across Africa and the US. The company focuses on fintech solutions serving emerging markets and credit providers.
Strategic Profile
Pro stress-test →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.
Competitive Landscape
Pro stress-test →UPAY's top competitors include Merchant Warehouse, Instabill, Merchant Card Advisors, and Charge.com Payment Solutions. The company competes in the loan origination and payment processing software space, though at significantly smaller scale than established payment processors. Top competitors in the broader space include Landeed, Numerated and Ready Capital.
Industry Context
UPAY, Inc. operates in Loan origination software.
Key facts
Founded: 2009 · Headquarters: Dallas, Texas · Employees: 16 · Revenue: $684K (TTM as of Nov 2025) · Market cap: $15.7M