INSTO is an internet payment platform that supports both payment collecting and remitting, with online and offline uses. INSTO supports both individual and business users. By linking to the user's bank account, sellers can collect one-off credit card payments, or recurring and customizable installment payments. INSTO also offers INSTO Direct, a feature to assist corporate or individual merchants to take credit/debit cards as a portable POS Terminal. By not just email, but sms, instant messenger app as FB messenger, wechat, or LINE, billing link can be easily sent to buyers from end to end with INSTO app!