12 PowerPay — Unlock Credit Card Rewards With Debit Card Discipline
Now in beta — free to start

Unlock Credit Card Rewards.
With Debit Card Discipline.

Track your credit cards and checking balance in one place. Get every reward and fraud protection while making weekly payments you can actually afford. Never overextend again.

Start free — no card needed → See how it works
14-day free trial Bank-level encryption Cancel anytime Powered by Plaid
See it in action

Every feature, live.

Smart alerts
Pay before interest hits
⚡
PowerPay
powerpayment.app
Yesterday
PowerPay: Good morning. CC total: $580 Checking: $1,240 All clear — no statements closing soon.
Yesterday 9:41 AM
Today
PowerPay: Good morning. CC total: $650 ($400 Citi + $250 WF) Checking: $750 Stay at $0 interest →
Today 9:41 AM
iMessage
Daily refresh
What you can actually spend
Checking
$2,840
−
credit cards
$1,230
Chase Sapphire
Closes in 18 days
$480
Amex Gold
Closes in 12 days
$350
Citi Double
Closes in 3 days
$400
= Real balance
✓ Safe to spend
$1,610
Credit health
Utilization dropping in real-time
Credit utilization
Loading…
—
Chase Sapphire
—
Amex Gold
—
Citi Double
—
Paying in full this week → score boost incoming
Debt Detonator
Your schedule, your extra payments, aimed at zero.
9:41
PowerPay
PRO
Debt Detonator
Avalanche method · highest APR first
Capital One Venture
26.9% APR · Target #1
$5,450
Citi Double Cash
22.4% APR · Target #2
$2,850
Chase Sapphire
19.9% APR · Target #3
$4,200
Total debt $12,500
Minimum payment path 47 months
Interest you'd owe $4,830
PowerPay
PRO
Ready to detonate?
PowerPay eliminates your highest-interest debt first, saving you the most money.
Detonate
PowerPay
PRO
Detonating...
Capital One (26.9%)
Capital One Venture
$5,450
Citi Double Cash
$2,850
Chase Sapphire
$4,200
0
months elapsed
$0
interest saved
PowerPay
PRO
Debt eliminated!
You followed the Debt Detonator plan
$4,830
Interest saved vs. minimum payments
34 months
Faster than the minimum payment path
$0.00
Balance remaining across all cards
$1,000+
average interest paid per cardholder per year
$0
interest paid by PowerPay users
2 min
to connect your cards and checking accounts
How it works

The power of credit.
The discipline of debit.

Connect your credit cards and checking accounts once. PowerPay gives you rewards + protections while keeping you firmly in control with real visibility and weekly payments.

01 / 04
🔐

Create your account

Sign up in under two minutes. No credit card required.

02 / 04
🔗

Connect everything

Link all your credit cards and checking accounts via Plaid. See your true financial picture in one dashboard.

03 / 04
📡

Daily visibility

We refresh balances daily so you always know exactly what you can afford before you spend.

04 / 04
🔔

Smart weekly payments

Get timely alerts. Make weekly payments you can actually cover. Capture every reward while staying debt-free.

Features

Credit power.
Debit discipline.

Everything you need to enjoy credit card rewards without ever losing control.

💳

All cards + checking in one view

See your credit spending and actual available cash together so you never overextend.

📊

Daily balance refresh

Know exactly what you can afford before you swipe — updated every day.

🛡️

Rewards + Fraud Protection

Keep all the upside of credit cards (cash back, buyer protection, extended warranties) with none of the risk.

📱

Smart payment alerts

Weekly reminders with exact amounts you can comfortably pay from your checking balance.

💣

Debt Detonator

Already carrying a balance? The avalanche and snowball optimizer builds a personalized paydown plan.

🔒

Bank-grade security

Powered by Plaid. Credentials never stored. AES-256 encryption.

Early users

Real people. Real discipline.

From our beta — earning rewards while staying in control.

★★★★★

"I had four credit cards and genuinely had no idea what I owed total. PowerPay fixed that in five minutes. Haven't paid a cent of interest in three months."

MR
Marcus R.
Software engineer · Chicago
★★★★★

"The SMS alert the day before my statement closes is the whole product for me. I pay it, I'm done. The cash back just shows up and I never stress about it anymore."

JL
Jasmine L.
Small business owner · Austin
★★★★★

"I was paying $80–$90 a month in interest without realizing it. That's over $1,000 a year. PowerPay showed me the math and I haven't paid a cent since."

DK
Derek K.
Nurse practitioner · Atlanta
Pricing

Simple. Transparent. Cancel anytime.

Start free. Upgrade when you see how much you're saving.

Free
$0
forever free · no card required
  • 1 credit card monitored
  • Weekly balance refresh
  • SMS + push alerts
  • Insights tab
  • Debt Detonator payoff planner
  • Daily balance refresh
  • Multiple cards
Get started free
Most popular
Lite
$3.99
per month · 14-day free trial
  • 2 credit cards monitored
  • Weekly balance refresh
  • Daily balance SMS alerts
  • Unlimited checking accounts
  • Insights tab
  • Debt Detonator payoff planner
  • Unlimited cards
Try Lite free →
Pro
$7.99
per month · 14-day free trial
  • Unlimited credit cards
  • Daily balance refresh
  • Daily AM snapshot SMS
  • Credit utilization alerts
  • Full Insights + spending trends
  • Debt Detonator — avalanche & snowball
  • Priority support
Try Pro free →

No credit card required to start · Cancel anytime · All plans include bank-level encryption

Stay in the loop

Not ready to connect?

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FAQ

Questions, answered.

Is my banking data actually safe?
Yes. PowerPay uses Plaid — the same connection layer trusted by Venmo, Coinbase, and thousands of fintech apps. Your bank credentials are never shared with or stored by PowerPay. All data is encrypted with AES-256 in transit and at rest.
How is this different from Mint or my bank's app?
Your bank shows you one card. Mint shows you everything but doesn't alert you at the right moment. PowerPay is built around one job: making sure you pay in full before interest hits — across every card you own.
What if I already carry a balance?
The Debt Detonator feature in every plan builds a personalized payoff plan using avalanche or snowball methods. PowerPay helps you stop digging the hole while you fill it in.
Which credit cards are supported?
Any card supported by Plaid — which covers the vast majority of US credit cards including Chase, Amex, Citi, Capital One, Discover, Bank of America, and hundreds more.
Can I cancel anytime?
Absolutely. No contracts, no cancellation fees. You can downgrade to the free plan or cancel entirely at any time from your account settings.