UPAY

Overview

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• TickerUPYY on OTC¹
• IndustryServices-Prepackaged Software¹
• HeadquartersDallas, Texas¹
• Incorporated inNV³
• Business address3010 Lbj Fwy, Suite 1200, Dallas, Tx 75234³
• Filer categoryNon-accelerated filer, Smaller reporting company, Emerging growth company³
• Legal formCorporation

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The consumer lending and alternative financial services industry in the United States represents a significant market segment that includes payday lending, installment lending, check cashing, and other short-term consumer finance products. According to IBISWorld, the U.S. check-cashing and payday-loan services industry generated approximately $21.4 billion in revenue during 2023, reflecting continued consumer demand for short-term and alternative credit products and related financial services.⁴ From its latest annual report

Corporate structure

UPAY sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What UPAY reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Investments

Properties, in its own words

Rent Pay’s offices are located at Centurion, South Africa and comprised of 2905 square feet. The South Africa offices are composed of reception area, two boardrooms, one sales and, support floor, an administration office and 3 separate offices for management and three toilets. There is also a fully fitted kitchen and entertainment area. The total office space currently is 2905 square feet.

Item 2 of the 10-K filed Jun 2, 2026.⁴

Leadership

Who has led UPAY, and when. Pick a name to see everywhere that person has worked.

• Chief executive officerWouter Andries Fouche Jan 31, 2017 to Dec 18, 2019¹⁵
• Chief financial officerJacob Casper Folscher Jan 31, 2017 to Dec 18, 2019¹⁶

Named in SEC Form D filings

People the company listed in its private-offering notices.

• Executive Officer, DirectorJaco Folshcer named Nov 2, 2022¹⁷

Timeline

1. Jul 2, 20268-K Executive or director change; Regulation FD disclosure¹⁸
2. Jul 2, 20248-K Other events¹⁹
3. Jun 20, 20248-K Other events²⁰
4. Jun 5, 20248-K Other events²¹
5. May 15, 20248-K Other events²²
6. Oct 3, 20238-K Other events²³
7. Sep 19, 20238-K Other events²⁴
8. Mar 2, 20238-K Executive or director change²⁵
9. Nov 4, 20228-K Executive or director change²⁶
10. Sep 6, 20228-K Executive or director change²⁷
11. Feb 7, 20228-K Executive or director change²⁸
12. Oct 13, 20218-K Executive or director change²⁹
13. Jan 31, 2017New chief executive Wouter Andries Fouche becomes CEO¹⁵

Filings

58 filings to the SEC since October 2021: 6 annual reports, 18 quarterly reports, 12 major events, 3 insider forms, 3 large holders, 1 private raises, 15 other. The latest 20:

1. Oct 15, 2026NT 10-Q EDGAR
2. Jul 14, 202610-Q EDGAR
3. Jul 2, 20268-K EDGAR
4. Jun 2, 202610-K EDGAR
5. May 29, 2026NT 10-K EDGAR
6. Jan 12, 202610-Q EDGAR
7. Oct 10, 202510-Q EDGAR
8. Jul 24, 202510-Q/A FORM 10Q/A EDGAR
9. Jul 22, 202510-Q EDGAR
10. Jul 16, 2025NT 10-Q EDGAR
11. Jun 13, 20254/A EDGAR
12. Jun 3, 20254 EDGAR
13. Jun 2, 202510-K EDGAR
14. Jun 2, 20253 EDGAR
15. Jan 15, 2025UPLOAD EDGAR
16. Jan 14, 2025CORRESP EDGAR
17. Jan 13, 202510-Q/A EDGAR
18. Jan 13, 202510-Q/A EDGAR
19. Jan 13, 202510-Q EDGAR
20. Jan 13, 202510-K/A EDGAR

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

1 open-market trades by officers, directors and large owners since October 2021: 0 buys and 1 sales. Grants, option exercises and gifts are left out.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

• Emerging Markets Consulting LLCSC 13G, 3 filings Apr 21, 2022 to Jan 17, 2024³⁰

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

1. Nov 2, 2022Filed a private offering of equity¹⁷ Form D: named in the filing: Jaco Folshcer Form D

SEC filer profile

How UPAY is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

• Name on EDGARUPAY¹
• CIK0001677897
• Employer ID (EIN)37-1793622⁴
• Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company⁴
• Incorporated innevada⁴
• Fiscal year endsFebruary 28¹
• Industry code (SIC)7372 Services-Prepackaged Software¹
• SEC reviewing officeOffice of Technology, Division of Corporation Finance¹
• Business address3010 Lbj Fwy, Suite 1200, Dallas, TX 75234¹
• Phone9728886052¹
• Shares outstanding17,665,211 as of Jul 14, 2026¹³
• Public float$11.6M as of May 31, 2026⁴
• AuditorM&K CPAS, PLLC, The Woodlands, TX PCAOB ID 2738⁴
• On EDGAR sinceJun 23, 2016¹
• Filings124 in all: 10-Q (29), 8-K (15), 10-K (10), NT 10-Q (9), NT 10-K (7), UPLOAD (7), 3 (5), CORRESP (5)¹
  All 25 form types

  S-1/A (5), SC 13G (5), D (4), 10-Q/A (3), EFFECT (3), 10-K/A (2), 144/A (2), 8-A12G (2), S-1 (2), SC 13G/A (2), 144 (1), 4 (1), 4/A (1), D/A (1), POS AM (1), RW (1), RW WD (1)

• Latest filingsAnnual report (10-K) Jun 2, 2026
  Quarterly report (10-Q) Jul 14, 2026
  Latest 8-K (8-K) Jul 2, 2026

Risk factors and legal proceedings

Legal proceedings

We are currently not involved in any litigation that we believe could have a material adverse effect on our financial condition or results of operations. There is no action, suit, proceeding, inquiry or investigation before or by any court, public board, government agency, self-regulatory organization or body pending or, to the knowledge of the executive officers of our company or any of our subsidiaries, threatened against or affecting us, our common stock, any of our subsidiaries or of our companies or our subsidiaries’ officers or directors in their capacities as such, in which an adverse decision could have a material adverse effect.

The opening of Item 3, Legal Proceedings.⁴