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. It 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 company also develops tailor-made web sites for customers. In addition, it resells credit bureau products; acts as an agent for a licensed insurer, and third-party payment provider for debit order transactions. Further, the company provides custom software development and administrative staffing services to customers. It serves customers with physical branch outlets, as well as online customers with lending websites. UPAY, Inc. was founded in 2009 and is based in Dallas, Texas.