Another PayTo payment thing. No fees. link your bank a/c then scan the QR code at the restaurant, enter $ amount then tap pay.
as far as i know no credit check, and you can remove/reinstate the agreement anytime from your bank app or from pyng app
Current promos from what i can see:
- $10 instant for new user - Some places/restaurants may run extra promo where a dish costs $20 is discounted to $15 if you pay using this then less $10 = $5. (minimum payment is $4)
- $10 if you can get a mate to try pyng we will give both of you $10 (from the app)
- Get $10 after you shop at four stores/restaurants (from the app) (minimum payment is $4 at each store)
- If you refer a merchant and the merchant starts to accept Pyng, you and the merchant will receive $100 each (https://www.pyng.com.au/merchant-referral)
Tried and it worked the whole process tooks like 3 mins from downloading and linking bank a/c - if you have linked your bank a/c with payid then you just need to enter your payid not the bsb and bank account. Can confirm the 1st promo stacks with 3rd ie after first visit of paying just $5 i get the first tick out of four


So how do I find a list of which retailers/companies this works with?