Use the free app, CrayPay, at check out and we'll pay up to 10% of your bill. We show you where it can be used and what portion we'll pay on all of your purchases.

Simply enter the total due and we'll immediately send a digital gift card to your mobile device to use in completing your purchase. It's a free app that pays a part of every purchase. You'd be cray not to jump on that!

Combine CrayPay with store sales, coupons and credit card reward points and when it's time to pay, just follow the instructions during the payment.

Key Features:
-Accepted at 120+ authorized brands and over 60,000+ retail locations
-FaceID/Touch ID login
-Secure Digital Wallet
- Your Debit/Credit card info is never stored on your device or our systems.
-GPS shows everything nearby for quick payment.
-Track spending and account activity

What’s New

Version 4.2.0

- Updated payment flow
- Bug fix for missing cards

Ratings and Reviews

4.4 out of 5
163 Ratings

163 Ratings

Schaller Studios ,

Great App!!

This app is really cool. Unlike others I’ve seen, it is actually completely free. And it’s not just another geeky way to pay at stores. The places that accept it as payment actually cut money off the bill when I pay with this app instead of my card. Can’t beat that deal!

So far, haven’t seen any ads on this either—at least not the annoying ads. The app does show who nearby accepts it as payment and how much the discount is.

The app does need an account that’s set up in the Life Leadership mobile app, but that’s free and has some budgeting and financial management tools that are helpful, so it’s not a big deal. It’s actually pretty helpful.

One of my favorite things about the payment system is that my payment information is completely secured. CrayPay tokenizes the information so it can’t be hacked or stolen. It’s a lot safer than using my card.

I also heard a rumor that they will soon allow users to pay merchants using cryptocurrency. If that’s the case, I’m very excited about that. Hope it comes soon.

Steffer the Heffer ,

Yay! Finally!

I have to agree with past reviews, the app was definitely buggy, but I was able to use the app with some crashes. However, with the latest update, I am absolutely loving Cray Pay! It's much more fluid. I absolutely love a reason to shop! With instant savings just to use the app as my source of payment and my digital wallet, track my spending, earn rewards, etc - AND use with other promo codes and rebates, this is now my go-to app when shopping or going out to eat! My only request - add more merchants when possible!

KPizzle79 ,

Great app

I was one of the people out of 1000s downloading it at the same time, that made their servers crash over the weekend but they resolved the issue pretty quickly and I’ve been able to use it since Monday without any problems. I’m not sure what people were talking about the $1 charge but I didn’t get any charges. They did withdraw $0.01 and then put it back when I added a card. This isn’t a big deal for me as PayPal and other services do that to verify bank info. Anyways I love this app!!!


Cray Pay LLC
78.7 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 4+
©2016 - 2019 Cray Pay Inc


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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