VaPay is designed to help anyone save towards a vacation. VaPay utilizes 3 ways to help you save. Roundin' Up - VaPay calculates your daily debit card and banking information and rounds each transaction to the nearest dollar. VaPay then takes the spare change and deposits it into a secure VaPay savings account. Recurring Payment - users can set a specific date for automatic payments, and Quick Pay - just as it sounds pay any amount now.