For business
Move your collections from “send and hope” to “track and manage”
Millions of UK customers can’t rely on Direct Debit — not because they won’t pay, but because their income doesn’t land predictably. JOYNTPAY gives billers a safe alternative that still supports timely payment.
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.
JOYnt Pay is secured by PayPoint Network Limited (Company No. 02973115) using the direct Pay.UK CoP API integration, enabling automatic cross-references of bank account names against sort codes and account numbers in real time prior to funds being transferred.
5-15 hours / bill
Average time spent chasing late payments each year
Department for Business and Trade, 2025
Up to 7x
The level of failed payments compared to Direct Debit
businessexpert.co.uk vs ONS/Pay.UK, 2026
38%
Of consumers would choose a better payment option if available
Moneyhub, 2024
How JOYNTPAY works
This is the shift from “send and hope” to “track and manage”.
1
Send the bill directly to customers
It goes directly into your customer's JOYNTPAY account, where they can view all their bills.
2
Set the customers payment window
For example: “JOYNTPAY users can pay within 7 days of the due date.”
3
Customers schedule their payment
They choose the exact day they'll pay, based on when their income arrives.
4
They can share with flatmates or family
Everyone gets their own payment link so they can pay from their own bank.
5
Receive the ‘intent to pay’ data
As soon as a customer schedules a payment, JOYNTPAY sends you a clear signal - who will pay, how much, and when.
6
Funds arrive instantly when paid
Payments are made using FCA-regulated account-to-account payments infrastructure - cleared funds, no delays.
Calculate your non direct debit savings with JOYNTPAY
Cost today
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Cost with JOYNTPAY
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Your estimated saving
Compared to paying national average rates today
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- See how we work this out
Key assumptions
- Target reduction in late payments
- Reduction in cost by automating dunning/past due date management from Department for Business and Trade
- Average payments per customer per year
- Average transaction price calculated using UK Finance data
- Current late payments rate for non-DD using ONS/Pay.UK vs businessexpert.co.uk
Get in touch for a more accurate assessment of how we could help
Figures are estimates based on national averages and are for illustration only, not a guarantee of savings.
Why choose JOYNTPAY
Direct Debit gap
Serve customers who avoid Direct Debit
A meaningful share of your customer base cannot use Direct Debit reliably. JOYntPay enables you to give them a safe alternative that still supports timely payment.
Consumer Duty
Strengthen Consumer Duty outcomes
JOYNTPAY directly supports fair treatment of customers with irregular or variable income. Clear payment windows, transparent journeys, and user control all contribute to better outcomes.
Predictability
Reduce arrears through predictability
When customers schedule payments, you receive intent-to-pay signals. This lets your teams prioritise outreach, manage risk, and forecast cash flow more accurately.
Instant funds
Receive cleared funds instantly
No pending periods, no settlement delays. Payments arrive the moment the customer completes them.
Lower cost
Lower cost of collection
Customers who feel in control contact you less. JOYNTPAY reduces anxiety around payment dates, which reduces calls, emails, and complaints.
Why your customers choose JOYNTPAY
JOYNTPAY is designed for people who have been failed by rigid payment systems. They get:
Get started in days, not months
Choose the path that fits your workflow. No heavy IT projects required.
No integration needed
User interface
Track and manage payment requests on screen.
Full technical control
API integration
Connect directly to our API for real-time invoicing & reporting.
What our billers say
"
Onboarding was incredibly easy, and reducing the time taken in manually chasing people will make a massive difference to us. People want to pay the way that works for them so that they can just live their life.
Lucy Rogers, Treasurer, London Gamblers Hockey Club
Ready to move from “send and hope” to “track and manage”?
Speak with our Founder and CEO, Ben Williams, to learn more about JOYNTPAY
Contact us to learn more© 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.
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.
86 hours
average time spent chasing late payments each year
Source: Department for Business and Trade, 2025
up to 7x
increase in failed payments
vs Direct Debit payments
vs Direct Debit payments
Source: BusinessExpert.co.uk vs ONS/Pay.UK, 2026
38%
of customers would choose
a better option if available
a better option if available
Source: Moneyhub, 2024
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.
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.