Payo - Eat Now, Pay Later 17+


Designed for iPhone

    • Free

iPhone Screenshots


Payo is Australia's first eat now, pay later app. Simply use the app to pay your bill in 4 interest-free payments at over 700 restaurants, bars and cafes.

- Discover a heap of restaurants, bars and cafes near you.
- New venues added every week.
- Currently available in Brisbane, Melbourne, Sydney and the Gold Coast.

- Grab your friends and enjoy food and drinks 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 payotes.
- 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

What’s New

Version 2.8.7

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

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.

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

Ratings and Reviews

4.4 out of 5
252 Ratings

252 Ratings

El Machoooo ,

Overall happy with this app

App is very straight forward and easy to use. Only reason why I’m not giving it a 5 is because there were 2 restaurants listed in the app as accepting Payo but when I asked in person, they said they had stopped using it so the map and list needs updating

Developer Response ,

Hi!!, Thank you so much for your feedback, and we are sorry to hear you couldn't use Payo at two of our listed partners. If you want us to investigate this further please let us know the restaurants at, so we can investigate and find out what could happen, Thanks again, and have a great day.

christyrates ,

Changing the game

This app is so easy to use and allows me to hunt for new restaurants with comfort knowing that there are some discounts and options for after payment available, that I may have otherwise not bothered to visit given the high costs!

Really enjoy the interface although I’d like it more if I could search for restaurants based on input of a particular suburb/postcode, rather than based on my current location or keyword. This would help me plan my ventures better!

playsport ,


I thought this was to good to be true and it is joined via app they wanted my drivers license that’s ok they need to make sure I’m real then they wanted my debit card ok as they need to take money out for payments but here comes the biggest risk of all they wanted to know who I banked with and also wanted to know my bank’s client number and my bank password why would anyone in there right mind Hand over that information no one needs that information you people do not need it who knows what they could do with your online bank I sent an email to have my account closed as asking me for my internet banking information is a big no seems like a scam

Developer Response ,

Hi!! Thank you for your review. The reason why we ask for this is that we believe in responsible lending, and not just allowing everyone to access credit which could potentially get them into debt if they weren't in a position to pay.
So we ask for the bank details to assess our customers' likelihood of being able to repay on time, and based on the outcome of that check we may approve you to access credit. We understand if this makes you uncomfortable, but unfortunately this is the only way to apply for Payo credit. If you would like to get more information on this, please reach out to us at We apologize for any inconvenience, have a great day.

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
  • Diagnostics

Data Linked to You

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

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Diagnostics

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

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