The 15% That's
Costing You
85% of the Headache
Direct Debit covers most collections efficiently. But what about the rest?
JOYnt Pay solves for the gap, giving you a digital collection method that's 75% cheaper than cards and reconciles like a dream.
£1.4bn
additional costs of collection for alternatives to Direct Debit
38%
of customers would choose a better option if available
12x
increase in failed payments vs Direct Debit Payments
The Collections Gap
If this sounds familiar, you're not alone.
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, wrong references, and "fat fingers" cost you time and money.
Customer Friction
Alternative payment methods lead to delays and frustration.
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, wrong references, and "fat fingers" cost 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
Customer pays via secure, one-click Pay by Bank with reconcilable unique payment ID
Get Started in Days, Not Months.
Choose the path that fits your workflow. No heavy IT projects required.
Email Forward
For lighter volume.
Include JOYnt in the email to customers and we will present the email to your customers.
For lighter volume.
Include JOYnt in the email to customers and we will present the email to your customers.
SFTP
For teams using spreadsheets.
Send us a CSV file (just like a Direct Debit file). We handle the rest.
For teams using spreadsheets.
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.
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. We'll map your current process and show you the savings.
Contact Us
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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.