See every dollar you owe, in one place.
Phone bills. Subscriptions. Loan payments. Government charges. Even that speeding ticket. OryzaPay gathers everything you owe onto one simple screen — so nothing quietly falls through the cracks.
Free to join. No credit card. No hidden subscription.
Tap a grain — every kind of payment, gathered on one branch.
If it costs you money, OryzaPay has a place for it.
Most banking apps only know what's in your account. OryzaPay is where you keep the whole picture — including money you owe outside the bank.
See every featurePhone & internet
Track recurring bills and get a heads-up before the due date.
Subscriptions
See every streaming, app and membership charge in one list — cancel the ones you forgot about.
Loans & instalments
Mortgages, car loans, buy-now-pay-later — watch balances shrink over time.
Government payments
Property tax, CRA balances and municipal fees, tracked alongside everything else.
Tickets & fines
A speeding or parking ticket won't quietly turn into a bigger problem.
Insurance & utilities
Home, auto, hydro, water — the essentials, kept in full view.
Three steps. No jargon.
We built OryzaPay for people who've been burned by "simple" apps before. Nothing here asks for a card number, and nothing happens without you choosing it.
See the full walkthroughCreate a free account
Just your name and email. No credit card, no trial period that quietly starts charging you.
Add what you owe
Type it in yourself, or securely connect an account — always your choice, and always undoable.
See it all, get reminded
One screen shows everything outstanding. We'll nudge you a few days before anything is due.
We know why people hesitate. So we designed around it.
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No credit card, no auto-charges Joining and using OryzaPay never asks for payment details. There's nothing to accidentally get billed for.
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Bank-level encryption Your information is encrypted the same way Canadian banks protect their systems — both stored and in transit.
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You control what's connected Add everything by hand if you prefer. Nothing links automatically without your say-so, and you can disconnect anytime.
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Real people to talk to A Canadian support line, not just a chatbot, for anyone who wants to ask a question before trusting us.
Starting in Ontario, growing across Canada.
OryzaPay is opening its early access first to people in Ontario. As we learn from real households here, we'll open oryzapay.ca to the rest of the country — with oryzapay.com to follow.
Be one of the first to try it.
Leave your email and we'll let you know the moment OryzaPay opens in Ontario. No spam, no card, unsubscribe whenever you like.
By joining, you agree to be contacted about OryzaPay's launch. We never sell your information.
Do I need a credit card to use OryzaPay?+
No. You can create an account and use OryzaPay's core features without ever entering a credit card. There is no free trial that turns into a charge later.
Is this a banking app? Will you move my money?+
No. OryzaPay doesn't hold your money or make payments for you. It's a place to see and track what you owe, so you always know where you stand before you pay.
Do I have to connect my bank account?+
Not if you don't want to. You can type in your bills, loans and payments by hand. Connecting an account is entirely optional and can be turned off at any time.
What happens to my information?+
Your information is encrypted and never sold. Only you can see your full picture, and you can delete your account and data whenever you choose.
Why start in Ontario?+
We want to get it right for a smaller group of people before opening it up. Ontario is our first home, with the rest of Canada to follow.