How Does it Work

  • Deposit

    Direct Deposit

    • Get your Payroll deposit without any fees*
    • Receive funds from other PayToo account holders
    • Make cash deposits using one of our worldwide locations
    • Wire money directly from your bank account in over 200 countries**

    * Service only available in the US
    **Must be a “premium account” member. Other conditions may apply.

  • Transfer

    Sharing

    Share credits with anyone, anywhere! FREE!

    • Share instantly your credits securely from one PayToo account to another
    • Available in many currencies
  • Pay

    Pay and Shop

    Pay securely right from your mobile phone or by accessing your PayToo account from a computer.

    • Pay your bills right from your mobile phone
    • Over 2,500 Billers
    • Shop online at participating PayToo merchants
    • Pay at stores locations accepting PayToo
    • Pay at stores locations using your PayToo Prepaid Card
    • Available for domestic and international payments
    • Save time and money
  • Pay

    Shop

    Use your PayToo account to pay:

    • Participating merchants
    • Using a prepaid card
    • With your virtual credit card
    • Hands free using a contact-less sticker
    • By transferring funds directly onto your own credit card*

    * Service only available in the US

  • Call

    Call & Add Airtime

    Call anywhere in the world for less and avoid expensive roaming charges!

    • Get your FREE VoIP account- when you sign up for the PayToo Mobile Wallet
    • Talk to your friends and family worldwide for FREE when they use PayToo VoIP
    • Top-Up prepaid cellphones anywhere in the world
  • Redeem

    Cashout

    Your money is available to you 24/7, 365 days. PayToo really is your Mobile Wallet.

    • Get cash from over 1 million ATMs worldwide with your PayToo prepaid debit card.
    • Transfer cash to your own Credit Card
    • Transfer cash to your own bank account in 200 countries
    • Visit any PayToo cash-out location.