Pennycounts vs Subby

Pennycounts is a fast, secure way to handle everyday Nigerian bill payments — all from one app. PAY FOR EVERYTHING YOU NEED • Airtime and data top-ups for MTN, Glo, Airtel, and 9mobile • Electricity tokens for all major DisCos (AEDC, EKEDC, IKEDC, IBEDC, KAEDCO, KEDCO, PHED, JED, BEDC) • Cable TV subscriptions for DStv, GOtv, and StarTimes • Education PINs for WAEC, JAMB, NECO, and NABTEB SECURE BY DESIGN • Payments processed by Paystack, a CBN-licensed Payment Service Provider • Bank-grade encryption (TLS) with certificate pinning for every API call • Biometric login (Face ID / Touch ID) for fast, secure account access • We never see or store your card details — all payment processing is handled by Paystack INSTANT, CLEAR, RELIABLE • Real-time transaction status — see exactly when your token arrives • Detailed transaction history with downloadable receipts • Smart fee calculation shown clearly before you pay — no surprises NO WALLET, NO HASSLE • Pay directly from your bank account or card — no need to fund a wallet first • Bank transfer is the recommended payment method for lower fees • Service fees are kept low and disclosed before every transaction BUILT IN NIGERIA, FOR NIGERIANS Pennycounts is built and operated by Datafy Technologies Limited, a registered Nigerian company committed to making bill payments simple, secure, and reliable. Need help? Visit www.pennycountsng.com or email support@pennycountsng.com

Subby Recurring Payments, Simplified Subby is the all-in-one platform for managing recurring payments built for businesses that collect them, and the people who pay them. Whether you run an estate, a waste management company, a gym, a meal-plan service, or a healthcare or insurance business, Subby helps you automate billing and collections so you can focus on running your business, not chasing payments. FOR BUSINESSES Take the manual work out of recurring billing: Create custom payment plans and schedules for your customers Automate collections, payment retries, and renewals Send automatic reminders via WhatsApp, SMS, email, and Telegram Track late payments, customer activity, and revenue performance in real time Reconcile transactions and manage all collections from a single dashboard No more spreadsheets. No more manual reminders. No more chasing down late payments. FOR CUSTOMERS Never lose track of a recurring payment again: View and manage all your recurring services in one place Get timely reminders before payments are due Pay and renew services in just a few taps Track your full payment history and upcoming charges Avoid missed payments and service interruptions WHY SUBBY Recurring payments shouldn't mean recurring headaches. Subby brings structure to both sides of the transaction, helping businesses reduce late payments and administrative overhead, while giving customers a clear, simple way to stay on top of what they owe and when. Download Subby today and take control of recurring payments, whether you're collecting them or paying them.