Halupay Features

Built for lenders.
Not spreadsheets.

Every feature exists to solve a real problem Malawian lenders face every day.

Download Free Open Web App

Your biggest protection

Statements & Agreements

If there's ever a dispute,
you have proof.

Halupay generates professional loan statements and borrower agreements with your business name, reference numbers, full transaction history and terms — ready to share or print in seconds.

Loan Statements

Opening balance, repayments, closing balance, reference number — formatted like a bank statement.

Loan Agreements

Your business name, borrower details, terms and signatures — legally clear documentation.

Share or Print Instantly

Send via WhatsApp, email, or print. Any borrower, any loan, any time.

No more disputes. Lenders using Halupay statements report borrowers pay faster when they see professional documentation.

Halupay professional loan statement
Generated in seconds

Reference

HAL-20260824-910022

Loan Agreements

Every loan. Documented.
Every borrower. Accountable.

Generate a formal loan agreement for any loan — with your business name, borrower details, loan terms, interest rate, due date, and space for signatures. Share it before the money goes out.

Your business name and logo
Borrower full name and ID
Principal, interest rate and total
Disbursement and due dates
Guarantor details included
Signature fields for both parties
Unique reference number
Share via WhatsApp or print

More features

Smarter collection.
Less manual work.

SMS RemindersNew

Never chase a borrower again.

Halupay sends automatic SMS reminders 3 days before due date, on due date, and when overdue — so you collect on time without lifting a finger.

  • 3-day early reminder
  • Due-date alert
  • Overdue notice
  • 10 free credits included
Halupay dashboard showing loans due
Team ManagementNew

Scale with a team you trust.

Invite employees, assign borrowers to collectors, and see exactly who collected what — all from your dashboard.

  • Invite by phone number
  • Assign borrowers
  • Track collections
  • Role-based access
Halupay team and profile management
Quick ActionsNew

Everything one tap away.

Create a loan, record a payment, or add a borrower in seconds. No digging through menus — the most important actions are always within reach.

  • Create loan instantly
  • Record payment fast
  • Add borrower quickly
  • Bulk loan import
Halupay quick actions menu
Halupay books and ledger screen
Books & Ledger

Every kwacha.
Accounted for.

The Books screen gives you a full cash flow ledger — every loan disbursed, every repayment received, organized by date. Know your profit at a glance.

  • Money in & money out
  • Repayment history
  • Profit tracking
  • Date-by-date ledger

🎁 Included with every account

10 free SMS credits.
No card needed.

Start reminding borrowers the moment you sign up. Buy more credits inside the app whenever you need them. No contracts, no expiry.

Halupay

SMS · Auto-sent

Hi Chisomo, your loan payment of K45,000 is due in 3 days (Jan 30). Please prepare. — QuickLoans MW

Sent automatically · No action needed

All features

Everything included.
Nothing locked away.

Complete Borrower Profiles

Name, phone, National ID, address, guarantor, collateral — everything in one profile.

Automatic Interest

Set your rate once. Halupay calculates katapila interest perfectly every time.

Payment Tracking

Record every payment with date, method and running balance. Full history always visible.

Overdue & Penalties

Automatic overdue detection and late fee calculation. Never miss what you are owed.

Collateral & Guarantors

Track collateral value and guarantor details for every single loan.

Backdate Loans

Add loans that started in the past. Migrate from your notebook in minutes.

Instant Search

Find any borrower or loan by name or phone number in under a second.

Works Offline

No internet? No problem. Full functionality offline — syncs when you reconnect.

Secure Login

SMS verification for new users. Fast PIN login for returning users.

Start for free today.

Download the app or sign up on web. No credit card. 10 free SMS credits included.

Download for Android Open Web App

Free to start · Works offline · iPhone, Android & Desktop