Paymaart vs ioLEDGER

Paymaart: Your Financial BFF Paymaart is the smart way to pay, get paid, and stay in control of your money in Malawi. From airtime bundles to everyday payments, Paymaart keeps everything in one simple, secure app. Quick, Paperless Registration Sign up in minutes with our secure Online KYC process. Enjoy bank-level protection with two-factor authentication. Cash-In & Pay-In • Cash in at any Paymaart agent or via bank transfer. • Move your cash into digital money quickly and safely. • Transaction limits up to 5,000,000 MWK keep you ready for anything. Membership Plans • Join Prime or PrimeX for 30 or 91 days. • Enjoy zero transaction fees on member plans. • Get great value, every time you transact. Pay Afrimax & Pay Airtel • Pay Afrimax o Pay directly into your Afrimax account from Paymaart. o No delay and no manual intervention. o Confirm your Afrimax ID, choose the amount, and you’re done. • Pay Airtel o Buy Airtel Malawi bundles for any Airtel phone number, right inside Paymaart. o Top up your own line or someone else’s in a few taps. o Paymaart remembers your recent Pay Airtel and Pay Afrimax transactions, so repeat payments are even faster. Send Money Instantly • Send money to anyone, even if they’re not on Paymaart yet. • Ideal for rent, family support, and shared expenses. Merchant Payments • Pay at participating shops and merchants with QR codes or USSD. • Your phone becomes your payment device. Transaction History • See up to 90 days of transactions. • Track your spending and stay in control. In-App Guidance • Tap (i) for instant tips and explanations. • Use our Guides and FAQs to learn as you go. 24/7 Support • Get help any time by emailing hello@paymaart.com. • We’re here when you need us. Earn Interest • Eligible balances earn quarterly interest. • Make your money work harder for you. Easy Cash-Out • Withdraw cash at any Paymaart agent. • Move seamlessly between cash and digital money. USSD Access • No smartphone? Dial *480# to access Paymaart services. Security • Two-factor authentication. • End-to-end encryption. • Strong protection for your account and your data. User-Friendly Interface • Clean, simple screens. • Built for fast, everyday use. Exclusive Offers • Look out for in-app deals and promotions available only to Paymaart users. Download Paymaart today and take control of your money with simple, secure, and direct payments — including Pay Afrimax and Pay Airtel — all in one app.

ioLEDGER is a personal expense tracker and ledger designed for people who want full control over their finances. - Log daily expenses and income with categories - Set monthly budgets and get spending alerts - Track credit card billing cycles and due dates - Manage borrowed and lent money with the People Ledger - Log expenses instantly with Quick Add — back tap your iPhone or ask Siri, no app launch needed - Track recurring payments and subscriptions with due date reminders - Backup your data to Google Drive or iCloud - Home screen widget to see your balance at a glance - Sign in with Google or Apple to sync across devices Simple, fast, and private — your data stays yours.