Why eat out with payo?

Flex payments

Payo your way-o and split your bill into 4 instalments at over 750+ restaurants, bars and cafés.

Interest-free dining

No catch here except that lobster on your plate, we never charge interest on your transactions.

Unlock exclusive offers

App-exclusive offers means you always get the primo seats with us.

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


Account fee


Time to pay

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

Minimum repayment

From $10 per fortnight

Late payment fee

$10 per instalment*

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

Payo lets you pay your way

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


Payo is now available in Sydney, Melbourne, Brisbane and the Gold Coast. The rest of Australia will follow soon.
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?