Payoff, Inc. provides online debt settlement services. It offers a free, web-based service that allows consumers to view all of their financial information in one place. The firm encourages users to set personal financial goals, and offers motivational strategies and rewards when they make progress. It also offers a social platform that helps users manage their way out of debt. The company was founded by Ralph S. Saunders III and Eden Warner in 2009 and is headquartered in Costa Mesa, CA.