Recently, major banks are allowing checking account access via cell
phones. MobyQ, however, is not attached to a bank and updates to your account are immediate. Simply enter your beginning balance and submit your
transactions -- no wondering if that $53.42 for gas has cleared your
The website has full user authentication as well as SSL encryption. Since MobyQ is a monthly service, we integrated Authorize.net and Paypal to accept recurring payments. With the use of Paypal and Authorize.net, we do not store any credit card information and with our current website encryption, MobyQ is secure.
Another great feature of MobyQ is the ability to notify more then one
phone if a transaction is made. For example, if I buy milk on the way home from work, my wife will be sent a text letting her know our current balance and where I made a purchase. This feature is optional and can be turned on and off as needed on the website.
Also, MobyQ is able to create a list of transactions, which is available on
the website; it is capable of being sorted by date or by phone number.
MobyQ is still in beta and can be found at http://www.mobyq.com . It will be gong live soon!