Used by lenders across Malawi

Track who owes you.
Make sure they pay.

All your borrowers and loans in one app. SMS reminders go out automatically before due dates. They pay on time. You collect more.

Download for AndroidiPhone or Desktop?Sign up here
Free to start
10 free SMS included
Works offline
SMS Reminders
Team Management
Loan Tracking
Due Date Alerts
Borrower Profiles
Interest Calculator
Overdue Tracking
Offline Support
SMS Reminders
Team Management
Loan Tracking
Due Date Alerts
Borrower Profiles
Interest Calculator
Overdue Tracking
Offline Support

Sound familiar?

We talked to lenders like you. This is what we heard.

"I track everything in Excel... but I forget to check it"

Using:Excel

"My notebook is at home when the borrower calls"

Using:Notebook

"I use Notes app but it's just a mess of names and numbers"

Using:Notes App

"I send myself WhatsApp messages to remember due dates"

Using:WhatsApp

"I have signed forms but can't find them when I need proof"

Using:Paper Forms

"By the time I remember, they're already 2 weeks overdue"

Using:Memory

The result?

Same story, every time

Missed due datesLate paymentsOverdue loansLost money
The solution

One app for everything.Automatic reminders.

Halupay keeps all your borrowers, loans, and payments organized in one place. SMS reminders go out automatically — 3 days before, on due date, and when overdue. They pay on time. You collect more.

3 days beforeFriendly reminder SMS sent
Due datePayment due today reminder
OverdueOverdue notice sent

10 free SMS credits included

Start reminding borrowers immediately

Halupay

SMS

Hi Chisomo, this is a reminder that your loan payment of K45,000 is due in 3 days (Jan 30). Please prepare for payment. - QuickLoans MW

Sent automatically · 9:00 AM

Thank you, I will pay on time 👍

Read

24

Sent

22

Opened

18

Paid

Built for you

5 loans or 500.Halupay grows with you.

Whether you lend to a few friends or run a full lending operation, Halupay scales with you.

Starting out

A few borrowers

  • Replace that notebook or Excel sheet
  • Never forget a due date again
  • SMS reminds them automatically
  • Simple — no training needed
  • Free to start
5
8
12
Perfect for 5–50 borrowers

Growing business

Hundreds of loans

  • Dashboard shows everything at a glance
  • Invite employees to help collect
  • Assign borrowers to team members
  • Track who collected what
  • Scale without losing control
JM
GP
PB
+3
Your team, your way

Start where you are. Halupay grows with you. ✨

How it works

Simple. That's the point.

If you can use WhatsApp, you can use Halupay. No training needed.

01

Add borrowers

Name, phone, ID, guarantor — all in one profile. Everything in one place.

02

Record loans

Amount, rate, due date. Halupay calculates interest automatically.

03

They get reminded

SMS goes out before due date. They pay on time. You collect more.

Features

Everything you need. Nothing you don't.

New

SMS Reminders

Borrowers "forget" to pay? Halupay reminds them automatically before due dates. No more chasing.

Auto-reminders
This week
Chisomo M.
3 days beforeScheduled
Gift L.
Due dateSent ✓
SMS Credits10 free included
New

Team Management

Have employees? Invite them to help collect. Assign borrowers. Track who collected what.

JM
GP
PB
3 team members
Each gets their own dashboard

Auto interest

Set your rate once. Halupay calculates the rest.

Works offline

No internet? No problem. Syncs later.

Collateral tracking

Record security for every loan.

Instant search

Find any borrower in seconds.

Trust

Built for Malawian lenders

From university campuses to city centers

Lilongwe
Blantyre
Mzuzu
Zomba

Private

Your data is yours. Period.

Any device

Phone, tablet, or laptop.

Transparent

No hidden fees or tricks.

Ready to get organized?

Download Halupay. Add your borrowers. Let the app remind them so you can collect on time.

Download for Android — Free

No credit card · 10 free SMS credits · Works offline

iPhone or Desktop?Sign up here