iPhone Screenshots


Go now and payo later with 4 interest-free payments at your favourite restaurants, bars and cafes.


Discover a heap of restaurants, bars and cafes near you.

New venues added every week.


Grab your friends and start dining out at a payo partner venue.

Pay the bill with payo.


Scan the QR code with your phone to complete the transaction.

Pay the bill in 4 instalments. 0% interest, zero account fees, none.


Exclusive offers and deals for Payo-tes.

Pay up to 20% less at selected partner restaurants.


We’d love to hear from you. If you have any feedback or questions please email us at support@payo.com.au.

What’s New

Version 2.7.6

We’ve got a fresh new design and we’re always improving our app to make it easier for you to use, so be sure to update it regularly or turn on automatic updates.

We are currently live in Brisbane. Melbourne and Sydney will be launching in July. You can still set up an account from Melbourne and Sydney however you won’t be able to use payo until we’re live in your city.

Loving the payo app? Let us know by leaving us a review on the App Store.

Ratings and Reviews

4.3 out of 5
36 Ratings

36 Ratings

ellenbrooke94 ,


Really great way to pay in instalments and a surprising amount of variety in restaurants! Slightly confusing instructions on how to use but messaged the Instagram page and the customer service I got from them was fantastic and they also mentioned they would be updating and adding clearer instructions in the near future, really impressed!

frenchboo ,

Love this app!

Was recommended this app by icantbelieveitsnotafoodblog - loving it so far. Enjoying the discounts and ease of use. It’s also great that you can split up your payments over time. Happy user.

JakulaithWolff ,

Application keeps failing :/

I have an Interm type of Medicare and the Pay Later application just refuses to work... and every 3 errors when I try to reapply it asks me to try again tomorrow? It’s annoying, because if my option is already there, why can’t it work..? :( I’m a refugee here and can’t renew my Passport online as it expired in 2019 and I can’t go back to my home country that I escaped to get a new one, so I have no other choice except for my valid Medicare. I really need this app...

App Privacy

The developer, U FINIP Pty Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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