JOYntPay transforms invoices from pre-verified businesses seamlessly into a bank readable payment form and sends them as a payment request to the designated mobile banking application.

JOYntPay interacts with the banking app to deliver the payment request but then steps away so the payer's bank details remain secure.

The bank then sends the funds and the confirmation code to JOYntPay who deliver this to ensure the business knows which invoice has been paid.

JOYntPay only presents bills from PRE-VERIFIED businesses so you know they are not fraudulent requests.

Download the JOYntPay app, sign-up and away you go!

JOYntPay offers the ability to add your regular household bills into the system by scanning your paper bill or by uploading an e-copy of your bill.

The first time you set up a bill payment using JOYntPay takes about a minute.

After that, JOYntPay does all the legwork so going forward you just click "Confirm" to make the payment, and then choose your payment method.

Using JOYntPay offers convenience and flexibility by putting you in control and saving time spent managing and paying household bills.

No money leaves a bank account unless the bank's processes have been followed. JOYntPay never accesses your account and payments go directly to your service provider, instantly.

You can choose how much and when you pay (within your agreed payment terms) to ensure your payments align to your income.

There is no manual typing which means no errors in payment so both parties know the reference needed to recognise the payment is correct.

Only PRE-VERIFIED businesses are presented in the JOYntPay app so you know the request is not fraudulent.