Ultimate Digital Wallet for Personal and Business Use.

With over 20 years operating, we offer a truly global Digital Wallet for assisting clients making online instant and secure payments. Unlike other solutions in the market no Credit Card is required to topup your HowToPay Digital Wallet. 

Additional security protects client funds by requiring all payments to be approved by the sender at all times.


The Company

Founded in Australia in 2011, HowToPay is a respected digital wallet solution, servicing millions of individuals and businesses in Australia, Europe, Asia, and North America over these years.

We leverage our vast experience and industry knowledge to ensure our clients receive the most secure and cost effective solutions that have a strong focus on supporting online businesses

The Company

Our Payment Services

State-of-the-art API

Easily integrate HowToPay’s multiple and flexible payment options. Our robust and scalable platform guarantees PCI-DSS compliance, security, high performance, and enables a safe user experience.


A fully-integrated payment processing solution

Real-time access to transfers and receipts of funds information through our advanced online dashboard.

The "Payment Request" process

Users create a “Payment Request” that is received on another user’s mobile App. The recipient of the Payment Request approves the transferUsers’ funds remain under their control and once approved, both parties are informed when the transfer has completed.

Risk management

Unlike many processors, HowToPay reduces risk and fraud by requiring all payers to pass KYC validation. This monitoring and risk management has significantly reduced chargebacks and claims.

Settlement of funds

HowToPay collects funds from various payment methods and remits them as a bundled payment. In conjunction with detailed reporting, HowToPay can efficiently and reliably settle in several currencies, using SWIFT, SWIFT GPI and SEPA.


Collecting Funds & Payments

The Digital Wallet based payment solution features intelligent routing to ensure that the most appropriate local payment methods are offered for each transaction ensuring maximum coverage, security and traction.

Digital Wallet

The Digital Wallet is another option to make and receive payments.

Our user friendly app is available from the iPhone AppStore and Google Play or clients can use their computers web browser.

Key benefits of the mobile app are:

  • View all payments made
  • Easy to top-up balance
  • Receive credits from other users directly to the app
  • Transfer credits from one user to another using a QR code
  • Make in-person payments using a QR code
  • Send a Payment Request to another user
  • Accept or decline a Payment Request

Virtual IBANs

For EU, EEA and UK, we can provide virtual IBANs to streamline payments and account reconciliation making collection of payments efficient, reliable and easy.

The Business Member Contract

One straightforward contract is all that is required to have access to a variety of global payment methods and solutions for your business. Everything is bundled into a single Digital Wallet solution including API connectivity. Our solution also integrates KYC / AML compliance to reduce fraud and meet compliance requirements.