Fintech · Financial systems for South African business
The financial systems your business runs on.
VantiPay builds the infrastructure behind credit and payments. Assess an applicant's affordability in minutes, run your entire loan book from one dashboard, and connect the payment rails as we bring them online.
Built in Midrand, Gauteng · Your payment infrastructure for every industry.
The platform
Systems that talk to each other.
Most businesses run assessment, administration and payments as three disconnected jobs. VantiPay joins them up — starting with credit and lending, and extending into the payment rails.
Automated credit assessment
Upload a bank statement, payslip and credit report. Get an instant, data-driven qualification analysis instead of an afternoon with a calculator.
How it works 02Loan management system
Loans, payments, client conversations, documents, bookkeeping, reports, branches and staff — the whole book on one dashboard.
See the modulesPayment infrastructure.
Automated credit assessment
Three documents in. A clear answer out.
No more reading forty pages of bank statement by hand and hoping you spotted everything. Upload, and the analysis comes back while the client is still sitting in front of you.
Upload the documents
VantiPay reads them
Income, spending patterns, existing obligations and repayment history are pulled out and checked against each other.
You get the analysis
A qualification result you can act on, saved to the client's file so the reasoning is still there months later.
Why it matters
- Assess in minutes instead of an afternoon
- Every applicant judged on the same criteria
- Catch what a quick read of a statement misses
- The analysis stays attached to the loan it approved
- A written record of how the decision was reached
Illustrative output. VantiPay produces a decision-support analysis — the credit decision remains yours.
Inside the loan management system
Everything that happens after you say yes.
Stop paying for four tools that don't talk to each other. Once a loan is approved, VantiPay covers the whole operation through to the paid-up letter.
Loans and clients
Every loan on one record, with the client, balance, status and full history attached.
Payment tracking
Statuses update as payments come in, so arrears surface on their own instead of being discovered.
Automated documents
Paid-up letters, letters of demand and invoices generated with the correct details, every time.
Financial reports
Profit, loan performance and client reports on demand, exported to Excel or PDF.
Built-in bookkeeping
Collections, other income and expenses reconciled into one picture of the business.
Branches and staff
Run one office or ten on the same book, with role-based access for every person.
Client conversations
Log calls and payment arrangements on the client's file so anyone can pick up where you left off.
HR and payroll
Staff records and payroll for your own team, kept alongside the business you're running.
Security and audit
Two-factor sign-in, encrypted data and a complete log of who changed what, and when.
Document generation
Your logo. Your letterhead. Zero typing.
Every letter pulls the client, balance and date straight from the loan record, so the document always matches the book it came from.
- Paid-up letters that confirm settlement correctly
- Letters of demand with the right arrears figure
- Invoices under your own company branding
- A free monthly allowance, then a small per-document charge
LOGO
Confirmation of settlement
Reports and bookkeeping
Know your profit, not just your loan book.
Collections are only half the story. VantiPay pulls other income and expenses in too, so the number you're looking at is the real one.
- Profit, loan performance and client reports built in
- Export to Excel to keep working, or PDF to send
- Group totals and branch totals side by side
- Month-end in minutes instead of a weekend
Illustrative figures.
Security
Your loan book, always audit-ready.
You're holding your clients' identity numbers, income and debt. VantiPay is built so you can show your working — to a client, a partner or a regulator.
Two-factor authentication
A password on its own never opens your loan book.
Encrypted data
Client and loan information is encrypted, at rest and in transit.
Full audit logging
Who changed what, and when. Nothing gets edited quietly.
Role-based access
Clerks capture, managers approve, owners see everything.
Separated by tenant
Your company's data is isolated from every other business on the platform.
Complete loan history
Every status change and payment stays on the record permanently.
Why lenders choose VantiPay
Ten reasons it earns its place.
- 1Your whole loan book at a glance Know instantly who is up to date, in arrears or defaulted.
- 2Get paid faster Automatic status tracking means nothing slips through the cracks.
- 3Professional documents in seconds Letters and invoices generated with your own logo and branding.
- 4Real reports, real decisions Profit and performance available instantly, in Excel or PDF.
- 5Your money, tracked properly Collections, other income and expenses in one clear picture.
- 6Bank-level security Two-factor authentication, encryption and full activity logging.
- 7Built for your whole team Branch management, staff accounts and role-based access.
- 8Never lose a client conversation Calls and payment arrangements logged on the client's file.
- 9Manage access with ease Control exactly what each person can see and do.
- 10Grow without growing pains One branch or ten, with pricing that only grows when you do.
Pricing
Priced for what you actually need.
No two lending businesses are the same, so we don't pretend one package fits everyone. These are starting prices — tell us how you operate and we'll quote you properly.
Automated credit assessment
Upload a bank statement, payslip and credit report and get an affordability analysis back in minutes.
- Affordability and qualification analysis
- Analysis saved to the client's file
- Two-factor sign-in and audit logging
Loan management system
Your whole loan book on one dashboard — loans, payments, documents, bookkeeping, reports, branches and staff.
- Unlimited loans and clients
- Paid-up letters, demands and invoices
- Reports and built-in bookkeeping
- Branches, staff and role-based access
It covers your setup — account, branches, staff logins and any integrations — so you start with everything already working. Quoted with your package.
Starting prices in South African rand. Every quote is confirmed in writing before you commit — no long-term lock-in.
Questions
Things people ask us first.
What does the credit assessment actually do?
You upload the client's bank statement, payslip and credit report. VantiPay reads income, spending patterns, existing obligations and repayment history out of those documents and returns an affordability analysis — disposable income and a qualification result. It is decision support: the lending decision stays with you, and the analysis is saved to the client's file as a record of how you reached it.
Which documents does it need?
A recent bank statement, a payslip and a credit report. The more complete the set, the more the analysis has to work with.
Can I bring my existing loan book across?
Yes. Onboarding includes migrating the loans you're already running, so you don't start from an empty system or rebuild anything by hand.
Do the documents carry my branding or yours?
Yours. Paid-up letters, letters of demand and invoices go out under your company name and logo. VantiPay stays behind the scenes.
What happens when I open another branch?
You add it to your account and it appears on the same dashboard. There's no separate install and no second set of books — group totals and branch totals sit side by side.
Can I control what my staff can see?
Yes. Every staff account is assigned to a branch and a role, and you decide exactly which actions that role can take — from capturing a loan to approving a write-off.
How is my clients' data protected?
Data is encrypted and every company on the platform is kept separate from every other. Sign-in uses two-factor authentication, and every change is written to an audit log.
Why isn't the full price on the site?
Because it would be wrong for most people. What you pay depends on how many branches and admin users you have, your document volume and whether you take one platform or both. The Credit Engine starts at R250 a month and the Dashboard at R350 a month — send us your details and we'll confirm your figure in writing.
What is the sign-up fee for?
Setting your business up properly — your account and branches, logins for each staff member, and any integrations you need — so the system works from day one rather than after weeks of fiddling. It's charged once, and quoted with your package.
Is there a long contract?
No lock-in. The subscription runs monthly, based on the branches and admin users you actually use.
Do I need anything installed?
No. VantiPay runs in the browser, so your team can work from the office, a branch or the road with nothing to install or maintain.
Get in touch
Tell us what you're trying to run.
Pick the platform you're interested in and send us the details. We answer every enquiry from a real person, usually within one business day.
563 Old Pretoria Rd, Halfway House
Midrand, 1685
Ready to get started?
Set up your account, bring your existing book across, and know exactly where your money is from day one.