HowToPay now operates a Digital Wallet to complement our Email and SMS based Payment Request solutions.

By using the Mobile App on either your iPhone or Android phone clients can make payments to global online merchants.

Our Mobile App and Payment request solution is designed to put consumers back in control of the flow of money. Currently customers paying with Credit card give out details to merchants and at that point the merchant is in control of not only personal data but the ability to take money at any time without permission. Our solution allows clients to make payments when they want too and never give payment information to unknown businesses. This gives the Clients much more safety and control over who, how much and when they make payments.

The key important feature is that we understand it’s “Your Credit” and you have the right to decide if and when you make a payment.

Benefits of the mobile app are:

·       Ability to see all payments made

·       Ability to top-up balance prior to making payments.

·       Receive Refunds and credits from other users directly to the app

·       Transfer Credits from One User to another using QR code.

·       Make in person payments using QR code

·       Access Business POS services. (Business Accounts only)

·       Send a Payment Request to any other user.

·       Accept or Decline a Payment Request.

By using our Digital Wallet solution Clients are back in control of there credits. No longer can merchants simply take money from a client any time they want without permission. Clients can delay a payment or reject them. The clients are never at risk of the funds being taken at a time that is not convenient.

HowToPay…. Putting you back in control of your payments.

You can download and signup for our services free from our home page at www.howtopay.com