IOUpay Limited engages in the provision of fintech and digital commerce software and services that enable institutional customers to authenticate end-user customers and process banking, purchase, and payment transactions in Australia, Malaysia, Singapore, Indonesia, and Myanmar. The company offers IOUpay mobile banking platform, which provides ready-to-use application services and digital banking to facilitate the development of financial services applications; secure transaction messaging; and mobile backend as a service, a platform for building and enhancing multiplatform enterprise-grade applications. It also provides IOUpay platform, which enables to process bill payments; prepaid or postpaid payment operator and payment processing; prepaid airtime, data, electricity, water, vehicle and health insurance, parking, student fees, and household rates and taxes; transfers and remittances; consumer loan payments; and buy now pay later installments services under myIOU brand. It serves banks, insurers, and telecommunication companies. The company was formerly known as iSentric Limited and changed its name to IOUpay Limited in October 2020. IOUpay Limited was incorporated in 2000 and is headquartered in Melbourne, Australia.