Biya is an AI-focused payments service that allows users to do airtime top-up, pay bills and transfer funds easily via services like Facebook Messenger, Skype, Telegram and Slack. The Biya chatbot is accessible on messaging platforms, as well as the web. Users interact with it as they would with a contact or friend, and make payments for things like airtime and TV subscriptions. They can also request and transfer money using the service, with the user linking their bank or card to make transactions.