Help your
customers stay
on top of their bills
JOYntPay helps organisations reduce failed payments, support vulnerable customers, and meet Consumer Duty expectations - without changing your existing systems.
Many customers need flexibility. We make it possible.
up to 15%
cost of invoice value
to collect late payments
to collect late payments
12x
increase in failed payments
vs Direct Debit payments
vs Direct Debit payments
38%
of customers would choose
a better option if available
a better option if available
The Collections Gap
High Cost Alternatives
Paying 2-3% per transaction for credit card payments adds up.
Zero Visibility
Chasing cash, cheques, or failed payments burns operational hours.
Reconciliation Nightmares
Manual matching because of incorrect references costs you time and money.
Customer Friction
Alternative payment methods lead to delays and frustration.
Invoice
You send the invoice (via file, email, or API)
Manage
Customer receives a clear, digital bill with reminders
Pay-by-Bank
Payments made securely and return a unique payment ID
Get Started in Days, Not Months.
Choose the path that fits your workflow. No heavy IT projects required.
Email Forward
For ad-hoc volume.
Include JOYnt in the email to customers and we will take on the collection journey with your customers.
User Interface
For light volume.
Track and manage payment requests on screen.
SFTP
For teams using SFTP.
Send us a CSV file (just like a Direct Debit file).
We handle the rest.
API Integration
For automated systems.
Connect directly to our API for real-time
invoicing and reporting.
JOYnt us!
Ready to Close the Gap?
Speak with a payments specialist to learn more about JOYnt for business.
Contact Us
© 2025 Joynt Limited - All rights reserved.
JOYntPay is developed and brought to you by Joynt Limited, Company no. 15943475. Payment initiation services are powered by Moneyhub Financial Technology Ltd (Company No. 06909772) which is authorised and regulated by the Financial Conduct Authority (FCA) as a Payments Initiation Service Provider, reference no. 809360. All logos and trademarks are property of their respective owners.