Features

Everything you owe, actually organized.

OryzaPay isn't a banking app or a budgeting spreadsheet. It's the one place built specifically to hold every payment you're responsible for — the ones that live in your inbox, your glovebox, and the back of your mind.

OryzaPay's tools

  1. Bills from your inbox

    Connect your email, read-only, and OryzaPay suggests the bills it finds.

    • Checked every morning
    • You approve each bill before it counts
    • Nothing is ever sent from your email account
    • Prefer to type it in? You always can

  2. Contracts, read for you

    Add a contract and OryzaPay lists what matters: what you pay, when it ends, what changes after a promotion and what it costs to leave.

    • Compared with what your bills actually say
    • Early warnings before a contract or promotion ends
    • You can correct every field
    • Your file is read once and not kept

  3. Spending and subscriptions

    Import a statement from your bank and see where the month went.

    • CSV, OFX or PDF files from your bank
    • Importing the same file twice is safe
    • Finds subscriptions and other charges that repeat
    • Optional summary emails

  4. Messages to companies

    Pick the problem, read the draft, and OryzaPay sends it for you.

    • One conversation per company, filled in from your bills
    • You confirm before anything is sent
    • Replies go to your own email
    • Limits stop it being used to flood anyone

  5. Savings, counted honestly

    OryzaPay shows what it spotted and what you actually saved, and never mixes the two up.

    • Spotted: a bill above its contract, a price rise coming, a cheaper plan advertised
    • Saved: only what you tell us
    • Deals are plans companies advertise publicly. Confirm before you switch

  6. Reminders that help

    Email and phone reminders before something is due, and a friendly daily nudge if it slips.

    • Pick how many days before
    • Light at first, more direct the longer it waits
    • Turn them off for any single bill
    • A short Monday summary, only when there is something to say
The full picture

If it costs you money, it belongs here.

Most apps only show what's already in your bank account. OryzaPay is built for everything that isn't — the bills, debts and charges that come from outside it.

Phone & internet

Recurring provider bills, tracked with a heads-up before each due date.

Subscriptions

Every streaming, app and membership charge in one list — see what you're actually paying for.

Loans & instalments

Mortgages, car loans, buy-now-pay-later — watch balances shrink with every payment.

Government payments

Property tax, CRA balances, municipal fees — tracked alongside everything else you owe.

Tickets & fines

A parking or speeding ticket gets a due date and a reminder, not a place to hide.

Insurance & utilities

Home, auto, hydro, water — the essentials, always in view.

Credit cards

Balances and minimum payments alongside everything else — no separate app to check.

Rent & housing

Rent, condo fees, and other recurring housing costs, tracked with the rest of your money.

Beyond the list

Built to actually help, not just display numbers.

A list of bills isn't useful on its own. Here's what OryzaPay does with it.

Reminders before due dates

A gentle nudge a few days out — and again the day before — so nothing sneaks past you.

Add it yourself — no forced connections

Type in what you owe by hand if you'd rather. You're never required to link a bank account to use OryzaPay.

One dashboard, plainly laid out

Large text, clear labels, and a layout that doesn't require a manual to understand.

Family & caregiver sharing

Invite someone you trust — an adult child, a caregiver — to view or help manage your account, entirely on your terms.

Printable summaries

Export a clean record of what you owe and what you've paid — useful at tax time or for your own files.

No ads, ever

We don't sell your data or show you ads for other financial products. OryzaPay works for you, not advertisers.

Built for families helping families.

A lot of people managing bills for an older parent do it over the phone, or by digging through a pile of mail on a visit home. Optional, permission-based sharing lets a trusted family member see or help — without taking over the account, and without you needing to hand over passwords.

Early access

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.