A better way to manage your bills when life isn’t predictable
Share any bill, Pay from your bank.
If your income doesn’t land on the same day each month – or you simply prefer to approve payments yourself – JOYNTPAY
gives you a safer, more flexible alternative to Direct Debit.
Approve each bill in seconds. Make payment when you get paid. Stay in control of your money.
Upload a photo of any bill and JOYNTPAY pulls out the key details in seconds. Check it, share the bill with housemates or family if you need to, then pay from your own banking app when you’re ready. We never access your accounts or touch your money.
Partnered with Moneyhub
We never store your bank details
You approve every payment
Easy to share any bill
Partnered with Moneyhub
We never store your bank details
You approve every payment
Easy to share any bill
In partnership with
How JOYNTPAY works
JOYNTPAY gives gig workers a simple, structured way to manage bills around variable income. JOYNTPAY turns unpredictable income into a calm, predictable routine.
1
Add your bill
Upload your bill on the website or forward it to JOYNTPAY.
2
JOYNTPAY tracks it
We’ll show you what’s due and when.
3
Choose your own payment day
Each person pays when their income arrives
4
Avoid surprises
There is no automatic pulls, no unexpected overdrafts as you approve every payment.
5
Instant payments
Cleared funds straight from your chosen bank to the biller.
Pay from your own bank. We never see your account
Approve and pay your way
No money moves without your say, and you choose when to pay within the biller's timeframe
Pause a bill anytime
We will notify the biller for you
Split shared bills automatically
No more chasing flatmates for their share
See every bill in one place
Upcoming bills and reminders that fit your month, not someone else's
Because fixed payment dates don’t work for everyone
Millions of people avoid Direct Debit - not because they don’t want to pay, but because:
Income arrives on different days
Automatic withdrawals feel risky
Shared bills are messy
Forgetting a date can mean fees, stress, or service suspension
“Set and forget” does not work for everybody.
Pay any bill from your phone.
Upload, confirm and pay from your phone, wherever a bill finds you.
Who JOYNTPAY is for
People with variable or unpredictable income
If you’re a gig worker, freelancer, or juggling multiple jobs, fixed dates can cause failed payments. JOYNTPAY lets you pay when the money is actually there.
People who prefer control over automation
More than 1 in 6 adults in the UK want transparency, authorisation, and limits. JOYNTPAY gives you exactly that.
House sharers splitting bills
No more fronting the money or chasing people. Everyone sees the same picture of what’s owed.
People with varied needs
If memory, attention, or anxiety make automated payments stressful, JOYNTPAY provides a calm, predictable journey with confirmation at every step.
Common questions
Do I need a JOYNTPAY account?
Yes – it keeps everything transparent and in one place.
Can I change my payment day?
Absolutely – choose any day that fits your income.
What if my income shifts?
Just adjust your payment day – JOYNTPAY is built for flexibility.
Is JOYNTPAY safe?
Yes, payments use FCA-regulated account-to-account rails.
Get started – it takes less than two minutes
A safer, calmer way to manage your bills If Direct Debit doesn’t fit your life - or you simply want more control. JOYNTPAY gives you a better way to stay on top of your money.
Get the app© 2026 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.