Pay It Now - PIN Network

3.4
184 reviews
10K+
Downloads
Content rating
Everyone
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About this app

The PIN Network App is an all-in-one wallet that lets you manage and spend digital assets in one place. Buy, sell, swap and shop using crypto directly in the app with no trading fees, no Forex fees, and gas-less swaps. Designed in New Zealand and Australia, PIN combines powerful features with a simple, user-friendly experience that brings everyday crypto functionality into a single digital wallet.

SPEND CRYPTO IN EVERYDAY LIFE
• Pay with crypto at hundreds of online and in store retailers in NZ and AU
• Buy gift cards from 600+ major NZ and AU brands
• Purchase single load prepaid debit cards
• Access New Zealand’s first crypto backed MasterCard
• In app retailer promotions exclusive to NZ customers

BUY AND SWAP CRYPTOCURRENCY
• Buy 50+ cryptocurrencies including BTC, ETH, SOL, TRX, SHIBA and more
• Gas-less in app crypto swaps
• Transparent pricing with no trading or Forex fees
• Fast crypto deposits and withdrawals

CRYPTO TO BANK WITHDRAWALS
• Cash out crypto to NZ and AU bank accounts
• Withdraw funds directly inside the app
• Locally banked infrastructure
• Partial or full withdrawals anytime

ACCOUNT FUNDING OPTIONS
• Poli Pay in New Zealand
• Australian bank transfer
• Debit card payments via Stripe
• External wallet deposits
• Token bridging support

TRADITIONAL CURRENCY SUPPORT
• Support for NZD, AUD, USD, PGK and SGD
• Cross border transfers
• Top up and withdraw traditional currencies
• Exchange between traditional currencies and cryptocurrencies in app

SECURITY FEATURES
• Two factor authentication
• Account recovery tools
• Enhanced protection settings

MERCHANT CRYPTO PAYMENTS
• Accept crypto in business
• 0% merchant transaction fees
• Built in POS interface
• Mobile payment support
• Customers can spend crypto direct from wallet to merchant

ABOUT US:
Pay It Now (PIN) is a New Zealand and Australian based cryptocurrency exchange and digital asset payment provider focused on making crypto simple, affordable, and usable in everyday life. As the largest kiwi-owned exchange, we are building real world crypto utility designed for everyday users, traders, and businesses.

Pay It Now NZ LTD. Registered Financial Services Provider (1002374), NZBN (9429048674997), LEI Code (98450095E43JCC9E5240), Disputes Resolution Scheme (FCSL 811)

Pay It Now AUS PTY LTD. ACN (662 643 496), ABN (18 662 643 496), AUSTRAC Registration (DCE100820697-002), LEI Code (9845009BCN44F3BE4F43), Remittance Registration (IND100820697-001), Australian Financial Complaints Authority (AFCA 120932)

Website: https://payitnow.io

Investing in cryptocurrencies carries inherent risk and there are no guaranteed returns. Please exercise caution and conduct your own research before making financial decisions.
Updated on
Apr 1, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info and Device or other IDs
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.4
182 reviews
Dan Harvey
March 20, 2023
It's a good app & a great system that I use regularly, to buy curry or top up my phone.. But there's one HUGE oversight.. There's no way to backup the wallet if we accidentally log out & can't remember password. I've always used my thumb, so forgotten password. There's no fail-safe, all other wallets have a backup option, or a forgot password if no private-key backup. It's good I only had $0.35c bal, but now I've lost my history & have to register a new account? As I say, a HUGE oversight..
9 people found this review helpful
jim nwakanwa
January 25, 2024
I cannot get through the registration process because my country (Nigeria) is not listed among countries for verification ID reference. I still wonder why Nigeria is there in the first page as country of origin but it is no more available as verification ID reference country. I can't tell wether this omission is deliberate or a simple oversight. Whatever it is, plz fix it fast. Since I don't know anything about the app yet, one star will serve for now!
17 people found this review helpful
Akinloluwa Akinsode
January 11, 2024
I haven't been able to successfully log in since I signed up because of my inability to proceed to Identity Verification, since my country, Nigeria is missing in the list of countries. The developers need to fix this in order to include users from my country and a few others which might be missing.
5 people found this review helpful

What’s new

We have made stability improvements and changes to be compliant with local regulations, like adding the ability to add & edit your tax number in the app.