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This is Todaypay, where the speed of a payment can change somebody’s life. There’s over a trillion dollars of value exchanged every year, and it’s the industry's best kept secret. I’m talking about refunds, and they’re a broken process outdated for the modern digital economy. That means unhappy consumers and frustrated merchants, leading to fraud, expensive disputes and higher prices. Todaypay transforms a broken process into a rewarding, instant refund experience. Customers get refund certainty, choice and instant gratification. And merchants get loyal customers, who spend more money with them, and checkout faster. If you want to go somewhere that nobody’s ever been, you need to do something nobody’s ever done. Are you ready to change the world and join Todaypay? Because time is money.