Eat now, payo later

HTW_ Life's too short-min

Life’s too short. Get out there.

Good living is time well spent with friends, family and that guy from the footy team who always handpasses to you.

Payo helps you bring it all together: food, drink, venues and people that matter.

How payo works

How payments work

Interest fee

0%

Account fee

$0

Time to pay

1 payment at time of order followed by 3 fortnightly payments, every Wednesday.

Minimum repayment

From $10 per week

Late payment fee

$10 per instalment*

*The maximum late payment fee is up to $40 ($10 per instalment up to 4 weeks)

HIW_ Payo lets you pay your way-min

Payo lets you pay your way

Heading out? Go there – with 4 interest-free payments at restaurants, cafés and bars.

FAQs

Right now, payo is live in Brisbane and Melbourne. But don’t worry, we are coming to Sydney very soon, and the rest of Australia will follow shortly after that.
Go to one of our Payo partner venues, and enjoy your food and drinks, when it comes to settling your bill, simply open the Payo app on the restaurant page, or Scan the QR code at the till to enter the amount and pay. 
No, payo is not a delivery app or an online ordering app.You can pay the bill with payo in the restaurant when you dine, or pay for takeaway with payo at accepting restaurants.
The full list of venues is available on the Payo app which is free to download from the App Store or Google Play store.
Yes, we would love to hear your recommendations and who you would like to see on Payo.
Yes, your bill will be equally divided into 4 instalments. When you pay off the whole bill in advance at any instalment round, the rest of the repayment amount will be $0.
No, If you don’t wish to use Buy Now Pay Later,  you can simply add your bank card and pay now instead. This gives you access to all of Payo’s Exclusive deals.
No, transaction fees are based on the number of repayments that you actually make.
Yes, your instalments can be repaid at any time.
No, applying for payo doesn’t affect your credit history. We do complete an internal risk assessment however it’s not recorded on your credit history and it does not affect your credit score.

Have more questions?