[QLD, VIC] $10 Credit with Coupon Code @ Payo App (Buy Now, Pay Later Dining)

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LHello27 on 29/07/2021 - 07:33 payo.com.au (234 clicks)
Last edited 29/07/2021 - 11:38 by 2 other users

8P5Z6

Found this amazing deal on Payo for new users.

1. Download the Payo app and sign up using a referral code (gets you $10 as Payo money)
2. Once you have signed up, go to account->Payo money and add promotional code 8P5Z6 -> hit next/enter on keypad (gets you another $10 as payo money)
3. Add your card to your account
4. Order at any accepting restaurants and pay using Payo ->scan QR code at the restaurant->enter the amount quoted by merchant->enter pay by card->select use Payo money and voila, you get $20 off your meal.
5. That's all.

How payments work
Interest fee 0%
Account fee $0
Time to pay
1 payment at time of order followed by 3 fortnightly payments, every Wednesday.
Minimum repayment From $10 per week
Late payment fee $10 per instalment*
*The maximum late payment fee is up to $40 ($10 per instalment up to 4 weeks)

Mod: Added to referral system below.

Related Stores

Payo

• 

  LittleTicket on 29/07/2021 - 08:00

  +1

  Ahh. In my day this was called the dine and dash.

  • 

    Chris McMahon on 29/07/2021 - 12:35

    +1

    Can I use this to pay for a meal, a succulent Chinese meal?

• 

  jessehu27 on 29/07/2021 - 08:29

  Should be [VIC] as well

• 

  hiiragizawa on 29/07/2021 - 08:29

  Available in Melbourne (and Sydney, soon) too.

• 

  Nuggets on 29/07/2021 - 08:47

  +2

  Does Payo do a credit inquiry?

  edit: their terms and conditions are hosted on google drive. lol.

  "You authorise us to make, directly or through third parties, any enquiries we need to verify your identity and assess your capability to make payments under this Agreement including ordering a credit report, performing other repayment capability checks and verifying information you provide against third party databases."

  • 

    arcticmonkey on 29/07/2021 - 15:03

    Yuck. No way would I do this for a paltry $10. Far more value you can get for a credit check.

    Negging just so people see your valuable comment.

    • 

      INFIDEL on 30/07/2021 - 00:19

      Its $20 with Referral, with likely more to come.
      Similar to condition with other forms of credit.

• 

  jrt2020 on 29/07/2021 - 09:20

  +2

  All these buy now pay later schemes and companies will make every one dependent on debts and will possibly push to Great Depression like scenarios soon

  • 

    INFIDEL on 30/07/2021 - 00:21

    Like with Credit Cards.
    Just pay the total amount due & grab any benefit they are offering - like $20 credit here.

• 

  macr0hard on 29/07/2021 - 10:33

  can this be used for online orders through uber eats, doordash, etc.. or physical shops only?

• 

  PoorFromOzBargains on 29/07/2021 - 11:00

  +1

  Thanks OP. I have $20 in my new Payo account now to use. A few of my local favourite cafes and restaurants are listed so this is a free meal and drink. This looks similar to the Liven app which I use a lot to get up to 50% discounted food when ordering at physical shops.

• 

  gottacatchemall on 29/07/2021 - 11:08

  +1

  Has anyone tried this yet in Melbourne. Remember when sosire first came out and none of the venues knew what it was or how it worked.

• 

  gottacatchemall on 29/07/2021 - 11:17

  Is it off the first meal or just credit can't seem to figure it out. E.g. can you use it over a week for coffees

  • 

    InspironN5110 on 29/07/2021 - 13:37

    It looks to be a credit/wallet system and the $20 can be used over multiple transactions it seems. Bought lunch and had a balance in the wallet which I can presumably use towards my next purchase.

    • 

      gottacatchemall on 29/07/2021 - 14:28

      Right got it thanks. Did you ask before you ordered about payo?

      • 

        InspironN5110 on 29/07/2021 - 14:31

        I asked to confirm if the vendor accepted Payo. Didn't want to end up out of pocket.

        Didn't ask about using leftover credit for other purchases. Not sure if the cashier knew too much about it themselves.

• 

  inasero on 29/07/2021 - 11:39

  +4

  Sad day when ppl need to defer payment for meals.
  Either that, or they really need to stop eating out as often, or at places that are out of their budget

  • 

    INFIDEL on 30/07/2021 - 00:10

    We don't need to defer payment, just grab the current $20, possible referral credit, & any future offers - for a free lunch or 2.

    I've never deferred payment on other pay later sites, just joined for the immediate benefits (price reduction etc) & paid total amount straight after purchase.

    Haven't been any costs, only saved me money.

    • 

      inasero on 30/07/2021 - 09:08

      Yes that may be the case, but it won't be so for the majority of users who this app is targeted to

• 

  gottacatchemall on 03/08/2021 - 22:36

  Tried at a coupla venues in fitzroy/Collingwood and it wasn't working

• 

  gottacatchemall on 04/08/2021 - 13:41

  Seems like a scam just tried more venues including cafe Gaia in South Yarra they had no clue what it was.

  • 

    gottacatchemall on 04/08/2021 - 14:51

    Ok I saw a sign for it outside versachi pizza and curry vault so I assume they are accepting it.

    • 

      hiiragizawa on 04/08/2021 - 15:07

      In my experience, you need to see if they have the "pay me" QR code on the counter. This is because Payo accepts QR input when you want to pay too (besides the other method of finding the restaurant in-app and clicking pay with payo)

      You're more likely to have a positive response based on that rather than just see a Payo sticker on the door/entrance.

      So far, most of Melbourne CBD I visited is OK, save for the ones at Food Hall where they do not accept Payo anymore (which I reported back to Payo)

      • 

        gottacatchemall on 04/08/2021 - 15:27

        Fair call. I'm literally 0 for 6 for payo so far massive fail. What places have you used it at in melb? The venues I mentioned with a sign outside I didn't get around to testing.

        • 

          hiiragizawa on 04/08/2021 - 15:31

          @gottacatchemall: I'm 6/10.

          4 of the ones are all situated at Food Hall and I just checked that Payo has removed all 4 from their app search results which is great.

        • 

          hiiragizawa on 04/08/2021 - 15:35

          @gottacatchemall: the 6 venues that have the QR code at counter are:

          Chefs Palace
          Duck Me
          Viva Kebabs and grill
          Simpsons Burger Russell st
          Wagyu fun (Tivoli arcade)
          Eku noodle (chinatown)

          2 that I actually use Payo and definitely works are:
          Chefs Palace
          Duck Me

          I'm planning to try these 2 next:
          Viva Kebabs and grill
          Simpsons Burger Russell st

• 

  coolsteps on 03/09/2021 - 22:10

  i used a referral code from here to sign up but i cant see the referral credit in the app? is it only displayed when paying by card?

  • 

    hiiragizawa on 04/09/2021 - 08:27

    Nah, you should be able to see it.

• 

  coolsteps on 11/09/2021 - 12:13

  is there a Minimum spend required to pay with payo? i added the code
  8P5Z6 how long does one have to use it before it expires?