PayWith

Using this app, go to any of our partner merchants and make a mobile payment right from your phone.

* New version - users need to login again! *

Mobile Payments are now a reality - go mobile now and watch our list of merchants grow!

As seen in news postings across Canada and the USA - the official PayWith WorldWide App is one of the most talked about mobile payments technologies in the industry.

Get instant rewards, discounts, incentives and real money benefits every time you pay with your phone using this easy to use mobile application.

Organize your PayWith mCards in the only free utility that is both a rewards app offering free rebates and instant rewards combined with handling your payments safely without you having to take out your wallet.

mCards are virtual rewards cards that give you ways to save money by automatically calculating the number of visits, amount spent, time of day, percent of total bill, free give-away offers, or whatever other rewards system each merchant (store/restaurant/pub) has setup with our PayWith system.

Earn merchant credit simply by sharing on Facebook, giving merchants feedback. Enjoy FREE merchant credit from merchants you have never visited before. Enjoy exclusive deals that only members of PayWith’s mCard rewards card can give.

PayWith is the safest and most secure way to transact using a mobile phone. Every single transaction, PayWith generates a new “Dynamically Generated mCard Number” that can be displayed to the merchant for your purchase. Simply show the dynamically generated mCard to the merchant and they do the rest.

All over North America, new merchants are signing up to become part of the PayWith Rewards Network. This means every day we add new merchants and locations that you can use PayWith to pay with your phone at, get deals and discounts, send gift cards, and receive instant rebates and rewards. You can link your Visa or MasterCard to your PayWith account and set your pre-auth limit for convenience and security when using your phone to pay.

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Notes about preauthorizations:
To make mobile payments, you must attach a master card, visa, or visa debit card to your paywith account. The money still comes from your payment card, we just connect your account to the merchant without requiring a physical payment card at time of purchase.

When you swipe to pay, your attached payment card's account will be pre-authorized for the amount you have chosen as your maximum transaction amount, for example $25. That "Preauth" ensures that you have the funds available and reserves them in the name "PayWith Worldwide".

This "preauth" is not available to us or the merchant and if a transaction is not completed at a merchant within the next week or two, that "preauth" will silently be removed from your payment card's account.

When you finish paying at the merchant, the "preauth" will be reconciled immediately against the final cost you paid to the merchant. Any remaining preauth amount above the final payment made at the merchant will be refunded immediately to your payment card's account.

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What if you don't complete your transaction?

If you generate an mCard in our app and don't then pay with our app, or the paid amount is fully covered by a free offer so your own money isn't needed, your payment card account will show the preauth as a charge (remember: it's only a preauth) on your account for several days up to 2 weeks or so (depending on your payment card provider). It WILL silently go away after that. This is the same way it works when you pay for gas at the pump.

Preauths are only held temporarily by your payment provider - they are never made available to PayWith or the merchant shown on the mCard unless you complete a transaction which gives only the transaction amount to the merchant, releasing the preauth from your account.