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. The company offers a cloud-based loan origination software system that enables customers to grant loans, sell products, pay bills, or pay monthly subscriptions on terms. It also develops tailor-made web sites for customers. In addition, the company resells credit bureau products; acts as an agent for a registered insurance company, and third-party payment provider for debit order transactions. Further, it provides custom software development and general administration staff services to customers. The 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.