Make purchases on the web quickly and securely with the N45 app. Simply enter in your phone number, wait for the N45 notification on your phone and hit approve. Voila! Your purchase is complete.

Eliminate the threat of unauthorized charges on your credit card!

Pay bills all in one secure place, your phone. Participating companies (cable, power, phone, etc.) can send monthly bills directly to your phone. Notifications come from the N45 app when new bills are available. Directly review and approve all your monthly bills from your phone.

Consolidate your bills in one place to safely and efficiently review and pay them on the go!

Securely transfer money on the spot. Save your bank information in your N45 app. Post funds for another N45 user. They will receive a notification on their phone asking them to approve the transfer.

This can be used for work reimbursements, paying friends back, paying rent, etc.

The retail terminal communicates to the N45 application using a cell phone number. The product description(s) and total pop up on your customer’s phone. Your customer then completes the transaction in N45 by accepting the charge and selecting a payment method..

Imagine reviewing and accepting checkout charges from your hotel or as you are traveling back to the airport.

Using the N45 application on their phone or via the N45 website, customers can identify specific purchases where they want to receive a notification of the availability of the promotion. When yourthe customer receives a promotionon their phone, they can approve the purchase at that instant.

Examples include event tickets, store coupons, newly-released merchandise, special pricing, tolls, etc.

Based on the GPS location of the phone, customers are presented with the opportunity to pay for tolls, parking, gate fees, etc. Upon approval, they are directed to bypass the payment line and use the "express entry."

Customers could also pre-pay these fees and have their account debited for each entry using the GPS capabilities of their phone.