PayDown vs Payouts.com

Every payment. One schedule. A date you'll be done. PayDown puts your Klarna, Affirm, Afterpay, and every other payment on one schedule and shows the exact date you'll be debt-free. PASTE OR SPEAK Paste a statement — or just say "I owe Affirm 200 a month, 8 payments left" — and AI fills in the details. No bank login, ever. ONE SCHEDULE Every BNPL installment, loan, card minimum, and bill: who, how much, and when. Mark payments paid, or let autopay tracking handle it. YOUR DEBT-FREE DATE A real payoff projection with daily interest math — not a guess. Watch the date move up when you add a few extra dollars a month. PAY IT OFF FASTER Avalanche vs. snowball, compared in actual dollars of interest saved. SAFE TO SPEND See what's actually yours between now and payday, after everything due clears. CAN I AFFORD IT? Gut-check a new pay-in-4 or loan before you commit — see what it does to your debt-free date. HOME SCREEN WIDGET Your next payment and debt-free date, on your home screen. PRIVATE BY DESIGN Your data lives on your phone. No bank credentials, no required account, no ads, no selling data.

Payouts Wallet is where the money businesses send you actually lands — on a Mastercard you can spend right away, with a wallet beside it for sending money anywhere. YOUR CARD • Every payout lands on your card, ready to spend in store, online, and with Apple Pay. • See the balance on the card face. Show the number and CVV only when you need them; they hide again after a minute. • Freeze the card in a tap. Unfreeze the same way. YOUR WALLET • Move money from your card into your wallet, or back, any time. Instant in both directions. • Send it to PayPal, Venmo, your bank, a debit card or a gift card. • The exact fee shows before you confirm. What you see is what settles. EVERY MOVE, TRACKED • Payouts, purchases and sends with their live status — Processing, Delivered, Refunded. • Monthly totals: what came in, what you kept, spent and sent. • Export a CSV or PDF statement whenever you need one. • Get a notification when a payout lands, when a send leaves and when it arrives. OPENS FROM YOUR PAYOUT EMAIL Tap the link in a payout email and the app opens straight to your wallet. No password: you log in with a one-time code sent to the email your payouts go to. Payouts Wallet is for people paid through payouts.com — creators, players, freelancers and partners of the businesses that use it. Cards are issued to the payout recipient and funded only by payouts you receive. Questions? Chat with our team from inside the app, or email support@payouts.com.