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The speed of a payment can change somebody’s life. That’s why I’m building Today-Pay. There’s over a trillion dollars of value exchanged every year, that nobody wants you to know about. It’s the best kept secret in banking. We’re talking about refunds. There’s been zero innovation because the system is broken and nobody wants to fix it. Until now. The backward refund system means unhappy consumers and frustrated merchants, higher costs and expensive disputes. Today-Pay transforms an ancient refund into an instant refund. Customers get refund certainty, choice and instant gratification. Merchants get more loyal customers, who buy more stuff at lower acquisition costs, carts aren’t abandoned and they avoid costly disputes. Today-Pay’s solution means merchants can compete to win on customer experience, with anyone. Are you ready to join TodayPay and change the world? Because time is money.