JTM is an online shop that offers services to both merchants and customers. Customers can order from a variety of products and services from the application, while merchants can also use the platform to create their own online shop.

For customers, the application is a convenient way to order goods and services from a variety of merchants, including online and offline merchants. It also offers a variety of payment options, allowing customers to pay in cash, credit, or through debit or credit cards.

As an added convenience, the application also allows customers to send payment requests to their preferred merchants. This can be done through a variety of payment channels, such as credit cards, debit cards, and other electronic payments.