VantiPay
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Fintech · Financial systems for South African business

The financial systems your business runs on.

VantiPay is an enterprise-grade, multi-tenant platform built for modern lending and microfinance. Verify a borrower, assess affordability, and run your entire credit operation from one centralised dashboard.

For microlenders, cash loan businesses, furniture stores, car dealerships and retailers selling on account.

Book a demo or enquire About VantiPay

Who we are

Built for lending. Not adapted for it.

Most lending businesses run on tools that were designed for something else — a spreadsheet here, an accounting package there, a filing cabinet for the rest. VantiPay was engineered from the ground up for credit operations: multi-tenant, with two-factor sign-in, encryption in transit and audit logs, and fast enough to give a client an answer while they are still in the room.

More about us
Scale Multi-tenant, multi-branch
Security 2FA, encryption in transit, audit logs
Speed Credit decisions in minutes
Coverage Verify, assess, lend, reconcile
Based in Midrand, Gauteng

What we build

One platform. Three ways to use it.

We are a South African fintech. We build the software lending and microfinance businesses run on — and these are the three parts of it you can take, together or on their own.

VantiScan

Identity verification. Send a one-time link, the client takes a live selfie and a photo of their ID, and your staff review the result.

How it works

Credit Engine

Automated credit assessment. Upload a bank statement, payslip and credit report and get an affordability analysis in minutes.

How it works

Loan Management System

Your whole book on one dashboard — loans, payments, documents, bookkeeping, reports, branches and staff.

See the modules

Starting a lending business? Get NCR-registered.

In South Africa you must be registered with the National Credit Regulator before you offer credit. We help you get registered, then set you up to run the book.

How NCR registration works

How they fit together

One client journey, start to finish.

1

Is this really them?

The customer submits a live selfie and ID photo by link. Your staff review them and make the final call.

2

Can they afford it?

The Credit Engine reads their statements and returns a clear affordability answer.

3

Now run the loan.

The Loan Management System tracks every payment, generates every letter, and keeps the books.

Why financial institutions choose VantiPay

What you get when it's built for lending.

  • 1
    Your whole loan book at a glance Know instantly who is up to date, in arrears or defaulted.
  • 2
    Know who you're lending to Live selfie and ID check before a cent goes out.
  • 3
    Professional documents in seconds Letters and invoices with your own logo and branding.
  • 4
    Real reports, real decisions Profit and performance instantly, in Excel or PDF.
  • 5
    Your money, tracked properly Collections, other income and expenses in one clear picture.
  • 6
    Two-factor sign-in and audit logs Two-factor authentication, encryption in transit, and a log of activity.
  • 7
    Built for your whole team Branch management, staff accounts and role-based access.
  • 8
    Never lose a client conversation Calls and payment arrangements logged on the client's file.
  • 9
    Take only what you need One product or all three. Add another when you're ready.
  • 10
    Grow without growing pains One branch or ten, with pricing that only grows when you do.
Coming soon

Payment infrastructure.

DebiCheck collections Authenticated debit orders, mandated by the client and collected on schedule.
Credit bureau Pull credit reports directly instead of uploading them by hand.

Tell us what you're trying to run.

Take one product, or all three. Every business is different — send us your details and we'll quote you properly.

Request a quote