A payment app is a financial or telecommunications application that allows payments to be made via cell phone, but if the user does not comply with their payment commitments (if they have a debt or do not pay on time for services such as credit, cell phone billing or subscriptions), the app restricts access to certain phone features or even blocks the use of the device.

What is it for?

1. Payment and credit control: Designed to help users manage their payments, credit payments, telecommunications billing or subscriptions. If the user does not pay on time, the app may block access to certain services or features until the balance is brought up to date.

2. Promote payment compliance: By restricting access to the cell phone or its functions, the aim is to encourage users to pay on time to avoid restrictions. This may include being unable to make calls, use mobile data, or access important apps.

3. Security in debt management: They act as a security measure, protecting both the service provider and the user, ensuring that debts are paid before full service resumes.

4. Facilitate payment for services: In addition to restrictions, these applications generally allow you to pay easily through bank transfers, card payments, cash payment or payment in convenience stores.