In a world where 6 million Australians are already using buy now, pay later (BNPL) services and 62 per cent of generation Z believe it’s a more financially responsible spending method than a credit card, it’s clear young Australians are ready to indulge freely, deliciously and without the stress of interest.

Payo is a new BNPL service exclusive to the hospitality industry that’s interest free and empowering people with the financial freedom to indulge in the things (and places) they love.

Currently servicing more than 500 venues across Melbourne, Sydney and Brisbane, Payo gives Aussies the opportunity to eat now, and ‘Payo’ the bill off in four interest-free installments. Essentially, it’s a new way to pay that allows Australians to embrace more chances to indulge.

Boost bookings, average spend and return visits
But it’s not just the customers who are revelling in their new-found financial freedom. Our merchants are reaping the delicious rewards, too.

Payo users:

  • Spend an average of 50 per cent more every time they dine.
  • Are dining out up to 3–4 times a week.
  • 40% of users are between 25–35 years old.

So it’s fair to say our country’s youngsters are keen to treat themselves in new and exciting ways; all they need is a service that will help them do it.

Supporting local
Customers can also pay for takeaway with Payo, allowing Aussies to upgrade their dining experience and pack more oomph on their plate in the comforts of their home. Also helping you get back some dollars lost from the impact of lockdowns.

Helping rebuild a post-pandemic industry
After a tumultuous period, the hospitality industry has been left hungrier than ever. Young Aussies are eager to do their bit and get out there to foot the bill for richer local experiences. Here at Payo, we want to help them do it.

Using exclusive venue offers and limited deals, we’re driving streams of new and returning customers to local restaurants, cafes and bars where they’re opening their wallets to bigger feasts, functions, events and gift vouchers than ever before – and we’re helping them pay for the lot.

Your responsible payment partner
Australia is home to one of the most delicious, multi-cultural cuisine scenes on the planet, and we believe everyone should have a seat at the table – because life’s too short to skip that second dessert.

It’s also too short to spend it worrying about debt, which is why we only shout customers who can afford to pay us back. We conduct internal credit checks on every Payo applicant to ensure that’s always the case.

Underpinned by a rich history in hospitality
We may be a fresh brand, but Payo is a team of hospo veterans. We live and breathe the industry, so we’re proud to put Payo in the palms of hungry Australians – because bite by bite, we’re reawakening our country’s appetite for eating out and helping to rebuild the local businesses we love.

What venues are saying about Payo
“A large portion of our customers are millennials, and this is how they now like to pay. When we heard Payo was a buy now pay later platform specifically for hospo, we immediately signed up. We consistently get Payo orders that are more than double our average order value.” – Brooklyn Depot, Brisbane.

Join 500-plus venues on Payo
Ready to add your venue’s name to the growing list of local bars and eateries in Brisbane, Melbourne and Sydney (plus more cities launching later this year)? Increase your average transaction spend by joining us at the table (and on the app!) at