Control your spending.
Effortlessly.
Set the rules, let your money run on autopilot, and stop impulse spending for good.
Your money,
stress free
Your bills should not cause anxiety. Pacto gives you a system to remove the anxiety from your spending.
Effortless Money Management
Plan it one time and let Pacto handle it automatically forever.
Stay on Track
Know exactly where your money goes without the complexity.
Designed to
give you control
Every feature built to put you in charge of your spending.
Connect Accounts
Connect all your bank accounts and watch your money flow in when it's time.
Auto Payments
Schedule your bills one time and let Pacto handle the payments, forever.
Lock Funds
Keep money for important bills locked until it is time to pay so you do not spend it early.
Payment Plans
Set simple payment plans to prepare for bills in installments instead of lump sums.
Built for
delight and safety
Every feature designed with simplicity and security in mind.
Effortless Experience
An intuitive experience that makes money management feel natural, not overwhelming.
Bank-Level Security
Your data is protected with the same standards used by major banks worldwide.
Government Regulated
We partner with regulated institutions supervised by the CBN with NDIC coverage.
FAQs
Everything you need to know about Pacto and how it works.
Pacto is a tool that helps you automate your budget and make spending money more intentional so you can stop impulse spending.
Yes. Pacto is partnered with companies that are compliant with the highest standard of CBN regulations. We use bank level security to handle your data in order to ensure your privacy and safety.
Fund your Pacto wallet with the money you want to spend. Create bills for all your wants and needs over the month. Pacto automatically runs your bills and sends your money where it needs to go at the right time.
Pacto is for people who are tired of impulse spending. The people that can't seem to spend their money according to plan.
Request early access, and we will send you an invitation when we are accepting more users.