How does PayItOff work??

PayItOff links your bank account and credit card. You choose whether to pay your card balance daily, weekly, or monthly, and the app makes the payments automatically on your behalf.

Will it really prevent late fees?

Yes. As long as your linked bank account has funds available, PayItOff will automatically schedule and send payments before your due date — so you’ll never miss a payment.

What happens with large purchases?

You can set rules so that transactions over a specified amount aren’t paid immediately. This gives you time to manage cash flow while still staying on top of payments.

Will it overdraft my checking account?

Yes. PayItOff includes Low Balance Protection — if your checking account balance drops below a level you set, payments pause automatically until funds recover.

Is it safe to connect my bank and credit cards?

Absolutely. We use bank-level encryption and secure connections. Your credentials are never stored on our servers, and payments are executed only through trusted, regulated banking partners.

Does it affect my credit score?

It can help! By ensuring on-time payments, PayItOff supports your payment history, which is a major factor in credit scores.

When does it make payments?

You can choose between the following options:

Daily option: Each day, your purchases are paid off.

Weekly option: Payments are made on the day you choose each week.

Monthly option: Balances are cleared before your statement due date.

Carry a Balance option: If you want to carry a balance on a card, you can set the amount to keep on the card.

Do I still get my rewards and points?

Yes. Paying your cards in full each month ensures you always earn your cashback, miles, or points — without ever losing their value to late fees or interest charges.

Is there a cost to use PayItOff?

We're in Free Trial beta testing mode.  So join us now to get early bird access for FREE!

Which banks and cards are supported?

Most major U.S. banks and credit cards will work. We’re expanding coverage regularly, and you can request your bank if it’s not yet supported.