Welcome
Upay is a technology service provider specializing in global payment and financial product solutions.
Dedicated to bridging the gap between traditional finance and digital finance, Upay delivers a full-stack solution covering card integration, transaction processing, compliance and risk management, as well as value-added services — enabling enterprises and individuals to seamlessly manage multi-currency and multi-channel capital flows.
Flexible and Transparent Pricing Structure
Upay’s pricing model covers card issuance costs, cross-border clearing fees, compliance and operational expenses, as well as differentiated value-added services. Through flexible fee configurations, partners can optimize profit margins based on transaction type, volume, and user tier — all while ensuring a clear and transparent cost structure with no hidden charges.
Intelligent Fund Management and Reconciliation Support
Powered by an advanced backend system, Upay provides end-to-end fund management and reporting support. Partners can track deposits, transfers, spending, and settlements in real time, gaining full visibility over capital flows. The platform enables multi-dimensional transaction analytics, revenue breakdown, and cost accounting, with the flexibility to perform monthly or quarterly settlement and compliance audits — ensuring both security and efficiency in fund management.
Compliance and Security Assurance
Upay is PCI-DSS Level 1 certified and holds multiple financial licenses across jurisdictions. With built-in KYC/KYB verification, AML risk controls, and real-time transaction monitoring, every cross-border fund movement is secured, compliant, and fully traceable.
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