A Buyer's View

For the buyer, PayLive is a smartphone alternative to using physical credit cards for in-person purchases. It is a digital payment solution that is more secure, safer, easier, and faster than using traditional credit cards.

PayLive is smartphone agnostic! Using our PayLive App, all buyers using any modern smartphone in the market today can make cardless credit card purchases. It works with the smartphone you own today.

The buyer stands at the sales counter with a product or service they wish to purchase by credit card, and starts their PayLive App. When the purchase is totaled by the cashier they touch "PayLive" on the merchant's credit card reader to select making a PayLive payment. The buyer puts their smartphone over the credit card reader to read the QR Code being displayed. Within a short second the payment is complete and the buyer's phone displays the payment amount on the screen. Its done.

If the buyer wishes to use a different card than the Default Card, they turn Express Checkout OFF on the PayLive App home screen. Then, when starting a payment the PayLive App displays a graphical wallet of available credit cards they have previously loaded on. The buyer selects the one to use for this purchase. Like above, the buyer then holds their smartphone over the credit card reader to read the QR Code being displayed. Within a short second the payment is complete and the buyer's phone displays the payment amount on the screen. That's it.

The PayLive App completely manages the processing of the buyer’s credit card transaction on their smartphone.

For larger purchase amounts the buyer may be asked to sign their signature or enter their debit card PIN on their phone, or the merchant's card reader, to complete the purchase. The transaction ends with the amount of the sale displayed on their phone, and optionally, a purchase receipt printed by the cashier or sent to the buyer's email address.