UppaPay pays up customer's bill in minutes.

A mobile-only loan that’s repaid over time and helps customer build credit. Good credit is not required. We help customers pay up their bills, and help you boost your business.

Easy for you, easy for them

Tell your customers

Tell your customers about UppaPay option at checkout. If they want, an unique link will be texted to their phone.

Customers apply

They will fill out a short online application from their own device. Rates from 10–30% APR.*

You got the money

If they’re approved, they are good to go. Money will be sent to your account within a business day.

1000+ Happy Merchants plus
50000+ Happy Customers

Jack Stevens
“I run an auto body shop in San Jose, CA. Customer will usually walk away a quote if it is too expensive. But with the support from UppaPay, we have more quotes converted into real deals. What a great product!”
Heather Miller
“UppaPay helps me pay up the expensive bill from the auto body shop. I just need to make the installment payment with a fair interest rate every month which gives me great flexibility in my finance situation.”
Andrew Collins
“I got my bill paid up by UppaPay. The application is all online and the process isn't lengthy. It is just few steps and you're done. My credit score isn't that high but I still got approved in seconds."

Customers love flexibility.

They don't need to worry if they are afford to pay up expensive bills. With UppaPay, they can pay up the bill, with a monthly payment plan.

  • Short application. It takes a few steps and basic information to apply.
  • Up-front everything. They see their monthly plans and total fees before they accept.
  • No nonsense. They won’t be surprised by deferred interest or prepayment penalties.

More business, less hustle.

With the freedom to break big bill in to smaller payments, approved customers can afford to pay up their bills. Other UppaPay merchants have seen a positive effect on converting quotes into real deals

Get paid up with less fees, risk-free

You get paid up via ACH from UppaPay once your customers get approved; UppaPay Installments handles the repayment. If your customer ever misses a payment, you’re fully protected from the credit risk.

Choose Yours

Simple Pricing Plans

Do not hesitate to contact us if you have any questions about our pricing plans. We're here to help. Oh, and don’t forget to check the FAQ page.


Unlimited transactions
Unlimited loan amount in total
$1,000 cap per loan
1% transaction fees
No other hidden fees
Weekday 9-5 support
Monthly free forever
Get Started


Design a custom package for your business
Available for businesses with large payments volume or unique business models
Larger cap per loan up to $2,000
24/7 support
Contact sales

Frequently Asked Questions

Visit Help Center

How do I get paid?

Once your customer decides to pay using UppaPay, we will transfer the full amount to your business bank account via ACH, it typically takes 1~3 business days.

Do I get paid if my customer doesn’t repay their loan?

You’re off the hook if your customer doesn’t repay their plan–just focus on what you do best and UppaPay takes care of the rest.

What is my customer’s APR? Are there any other fees?

Approved customers can choose to pay over 3, 6, or 12 months with rates from 15-30% APR. APR is based on credit and other factors. We clearly show your customers the total cost of paying in monthly installments with no surprise service fees, prepayment penalties, or deferred interest.

How quickly will they know the status of their application?

Many of your customers will get a real-time decision on the status of their application. Any exceptions will be reviewed and notified of eligibility. Typically, this takes 1-2 business days.

Is the UppaPay product available to all of my customers?

At this time, UppaPay is only available to those who have SSN. Right now, we only serve merchants in California, but we will expand to other states soon.

Where should I go if I have additional questions or concerns?

We are eager to hear from you! Please send us any questions or concerns to damon@uppapay.com, and we’ll get back to you right away.

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