UPAY Inc. is a Nevada corporation incorporated on July 8 2015 that operates as a holding company providing software and financing solutions through its subsidiaries in South Africa and the United States The company focuses on credit administration anti money laundering compliance and hunting trip financing serving clients in regulated industries through technology platforms designed to automate workflows and ensure regulatory adherence

UPAY generates revenue primarily through software licensing transaction fees and financing services from its subsidiaries Rent Pay AML GO and Huntpal Rent Pay offers a cloud based loan administration platform called ACPAS which includes monthly license fees setup fees transaction fees on debit order collections commissions on credit protection insurance and custom website development AML GO provides anti money laundering screening transaction monitoring regulatory reporting and API integration services on a subscription basis Huntpal operates an interest free Hunt Now Pay Later marketplace earning revenue from financing arrangements transaction fees and promotional services for outfitter partners

The company operates through the following segments

• ACPAS provides a fully automated web based client and loan administration platform for physical branch and online lenders in South Africa enabling loan origination product sales bill payments and subscription collections integrated with payment gateways credit bureaus SMS communication credit protection insurance and decision making engines.

• AML GO delivers advanced anti money laundering screening compliance and risk management tools to financial institutions fintech companies and accountable institutions in South Africa automating customer due diligence enhanced due diligence transaction monitoring pattern recognition risk scoring regulatory reporting audit trails and API connectivity for seamless system integration.

• Huntpal operates through two entities Huntpal LLC in the United States and Huntpal Pty Ltd in South Africa to provide interest free financing and end to end coordination for hunting safaris including outfitter partnerships tailored financing plans trip logistics accommodation professional hunters field guides trophy processing and community conservation initiatives.

UPAY positions itself as a niche provider in the credit software and compliance markets with competitive advantages rooted in its cloud based architecture twelve years of regulatory adaptation in South Africa and understanding of local non paying culture though it faces competitors such as Compuloan Delter and Mycomax that possess greater operational financial and personnel resources

UPAY serves online lenders storefront lenders retail establishments professional service providers clubs associations hunting enthusiasts outfitters and financial institutions requiring AML compliance solutions with no specific customer names disclosed in the filing