UPAY is a technology holding company that operates primarily in South Africa through three business units: ACPAS, AML GO, and HUNTPAL. ACPAS, the company’s core business, provides a cloud-based loan management platform for credit providers, such as microlenders and retail finance firms. The platform automates the loan lifecycle, including origination, account management, and debit order processing. ACPAS generates revenue through monthly SaaS fees, transaction fees on processed collections, and commissions from reselling credit bureau data and insurance products. AML GO offers compliance software that automates KYC, sanctions screening, and transaction monitoring for regulated financial institutions. It operates on a subscription and usage-based fee model. HUNTPAL is an online marketplace connecting international hunters with South African outfitters, utilizing a "Hunt Now - Pay Later" installment model to facilitate bookings. UPAY's strategy focuses on scaling these platforms in South Africa while expanding into the U.S. market. Specifically, ACPAS is targeting commercial finance providers with new B2B modules, and AML GO intends to launch its compliance services in the U.S. The company aims to leverage its software platforms to scale revenue as clients increase their lending and transaction volumes.