Frizzbee vs Payemm

Track every Klarna, Afterpay, Affirm, and PayPal Pay-in-4 plan in one place. Get reminders before every payment. Fight back when fees aren't fair. Frizzbee is not a lender. We don't issue cards, credit, or financing — we track the BNPL plans you already have and make sure you never miss a payment or pay an unfair fee. BUILT FOR YOU, NOT FOR THEM BNPL providers don't offer account linking — and they aren't required to. They profit when you lose track of payments and get hit with late fees. Frizzbee works around their limitation: forward your BNPL emails to your unique Frizzbee address and we extract every plan, payment, and fee into one dashboard. Your login credentials never leave your hands. WHAT YOU GET — FREE - Track unlimited BNPL plans across every provider - Scan any BNPL email — paste it in and Frizzbee fills in the details - Auto-Import — forward emails to your personal Frizzbee address and plans add themselves after your review; set up forwarding rules once in Gmail, Outlook, or iCloud - Smart reminders 1, 3, 5, 7, or 14 days before each payment (email and push) - BNPL Health Score — a 0-100 measure of your BNPL health, with history you can share - Late fee tracker — see exactly what fees cost you and what you save by paying on time - In Your Corner — free templates for late fee waivers, payment extensions, hardship applications, dispute letters, billing error reports, and CFPB complaint prep - Payment calendar with full schedule view - "Can I Afford This?" calculator - Weekly digest email and CSV exports of your complete history - 16 unlockable achievements, dark mode, custom themes, payment notes FIGHT BACK AGAINST FEES 86% of BNPL users who ask for a late fee waiver get one reduced or removed. Most people never ask because they don't know how. Frizzbee's ready-to-send templates make asking easy. FRIZZBEE PRO — POWER TOOLS $3.99/month or $29.99/year (save 37%). Everything in Free, plus: - AI Assistant — personalized answers about your plans, 15 messages a day (every account gets 3 free messages to try it) - SMS payment reminders (US numbers) - Household Members — track up to 4 people under one account - Deep analytics — spending breakdowns, BNPL credit report, payoff planner, and calendar comparisons - Monthly and annual PDF statements - Priority support HOW WE MAKE MONEY We earn $0 from BNPL providers. No referral fees. No data sales. No ads. Only the optional Pro subscription. When you don't pay a late fee, Frizzbee wins. YOUR DATA IS PRIVATE We don't sell user data. We don't have advertisers. We use bank-level encryption and row-level security. We never store card numbers — subscriptions are billed securely through the App Store. 14-day money-back guarantee on annual plans. Built and operated by Bozatta LLC in the United States. --- Privacy Policy: https://www.frizzbee.co/privacy Terms of Service: https://www.frizzbee.co/terms Support: support@frizzbee.co Frizzbee Pro auto-renewable subscription: - Monthly: $3.99/month - Annual: $29.99/year (save 37%) Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your iPhone Settings → your name → Subscriptions. The 14-day money-back guarantee applies to annual plans only.

SHOP SMART. PAY OVER TIME. EARN BIG. Payemm is a Jamaican E-commerce app that helps you manage groceries, top-up, online shopping, gift cards, and everyday spending in 4 easy fortnightly payments. But Payemm is more than just flexible payments. Payemm rewards consistency. Make your payments EARLY or ON TIME and unlock rewards, cashback, benefits, and bigger opportunities over time. BUILT FOR HOW JAMAICANS REALLY SPEND Use Payemm for: • Groceries
• Digicel top-up
• Flow top-up
• Amazon gift cards
• Netflix
• Restaurants
• Fontana
• Online shopping
• 200+ local & international services Everything happens directly inside the app. No complicated transfers.
No confusing systems.
Simple structured payments designed for real life. HOW PAYEMM WORKS • Create your account • Verify your identity • Choose what you want to pay for • Split your total into 4 easy fortnightly payments You’ll always see: • your payment schedule
• your due dates
• your total cost before confirming. PAYEMM REWARDS CONSISTENCY Every payment you make to Payemm can help unlock more value through PayBucks rewards. The more consistent you are, the more rewards you can unlock. • Make payments EARLY or ON TIME • Build streaks and stay on track • Unlock bigger rewards over time Rewards may include: • Digicel top-ups
• Flow top-ups
• Local gift cards
• International gift cards
• Cashback
• Exclusive offers and promotions KEEP YOUR STREAK ALIVE Consistency matters. Users who maintain early and on-time payment streaks may qualify for: • bigger rewards
• special promotions
• enhanced benefits
• stronger account performance over time Late payments may affect reward eligibility and reset active streak progress. BUILT TO SUPPORT BETTER FINANCIAL HABITS Payemm encourages structured spending and responsible payment behaviour. Using Payemm responsibly and staying on track with scheduled payments may help support your financial progress over time. SIMPLE. CLEAR. TRANSPARENT. • Clear payment schedules
• Transparent terms
• Secure transactions
• No hidden surprises Know exactly what you owe and when. DOWNLOAD PAYEMM TODAY Start shopping smarter, staying on track, and earning rewards for consistency. Spend, Pay, Earn, Repeat Visit payemm.com or connect with us: Instagram: @payemmjamaica
Threads: @payemmjamaica
TikTok: @payemmjamaica
YouTube: @payemmjamaica