We have gathered a list of frequently asked questions to better respond to you inquiries. Please select the appropriate question from the pull down menu below.

What is PaY by PiN?

PaY by PiN is an innovative service that provides customers with a unique, patent pending technology (recorded in the U.S. patent office) to purchase products and services over the Internet in a fully secure and private manner. The ALPHANUMERIC PIN code technology that we use allows members to make transactions without using a credit card.

How does PaY by PiN work without a credit card?

With the "two-click checkout" method, customers simply complete a hassle-free, one-page application to receive their PaY by PiN  user ID and PIN Number. Customers are then free to purchase products on PaY by PiN partners site over the Internet.

When can I use PaY by PiN?

As an individual member, you can use PaY by PiN free service to shop with our merchant partners once the information you have provided is approved. Online approval takes place in a matter of minutes, manual approval usually takes about 24 hours.

Why choose PaY by PiN?

Using PaY by PiN allows you to shop with convenience, confidence, and complete privacy. With our service, there is no need for lengthy forms that credit card transactions require. PaY by PiN allows you to:

- Use a free service that guarantees online privacy and security
- Purchase merchandise without using a credit card or revealing your credit history
- Shop everywhere from anywhere™ absolutely free
- Begin using our service after completing a one-time, secured form
- Transfer funds with the click of a mouse
- Send gifts and gift certificates
- Keep track of your shopping with a year-to-date summary
- Pay your bills online (with our participating partners)

How do I use PaY by PiN to pay at a merchant's site?

When you check out from the merchant site, click the PaY by PiN payment option (button). If you want to buy the merchandise as a gift then check the gift box and proceed. Enter your PaY by PiN User ID and PIN Number click "Submit Order" and you are done. There is no form to fill or credit card number to type in.

How do I login to my PaY by PiN account?

Visit our website and simply enter your User ID and PIN Number and click "Login".

Can I change my PIN Number?

Yes you certainly can. You must login to your PaY by PiN account then click on the 'Change PIN' option which appears under the 'Member Menu' Enter the User ID and new PIN number then click Submit.

How can I view my transaction history?

After you login to PaY by PiN account, please click on 'View account history'  then click 'View all transactions' and select the start and end month, day, year to view.

How do I update my personal information?

You must first login to your Pay by PiN account then click "Change personal information" input your new information then click submit. We will contact you to verify the information and make the appropriate changes.

Do I have to sign up from my home computer?

Any computer with internet access can be used to sign up for an account. Once you have set-up your account, you can access your account from any computer with internet access.

Can I use my account right after I sign up?

An email with a temporary password is mailed to you right after you complete the Sign-up process. Follow the instructions in this email and you will be able to use your account right away.

How long will it take me to sign up and create a PaY by PiN account?

If you have all your information ready, it should take just a few minutes.

I can't login to PaY by PiN!

Make sure that your User ID and PIN Number are correct. The User ID and PIN Number both are case sensitive. Check for any typographical errors, or that you don't have the caps lock button on.  Did you recently change your password and use the old one? Try re-entering the information.

How does PaY by PiN ensure the security and privacy of my information?

First of all, we never give your information to anyone else, especially merchants. Our security measures are top-of-the-line and include encryption, firewalls and filters. 

Can I be sure that merchants accepting PaY by PiN payments are trustworthy?

Definitely! We only deal with trustworthy businesses. A merchant is only accepted if they meet our screening criteria. Once accepted, all PaY by PiN merchants are placed under constant scrutiny to ensure they continue to meet our expectations. Should you ever have problems with one of our merchants please contact us immediately with details of your concerns.

Does it cost money to sign up for PaY by PiN?

No. It is free to open and send money using a PaY by PiN account

How do I sign up?

Just use our quick, signup form to open your PaY by PiN account

How do I use PaY by PiN to send a payment?

NEED MORE HELP. PLEASE CONTACT US AT support@paybypin.com