Pay It Now: Crypto Made Simple
A comprehensive cryptocurrency application eliminates the operational complexity of maintaining multiple separate services. Rather than requiring users to manage an exchange account, a card provider, and a gift-card vendor independently, the PIN platform consolidates wallet storage, instant buy/sell functionality, a shopping section offering gift cards and prepaid card top-ups, and a Web3 Mastercard facility within a single mobile application. This integrated approach offers particular value to users seeking practical, everyday utility from their cryptocurrency holdings, beyond price speculation alone. Pay It Now presents itself as a New Zealand and Australia-focused provider, with an emphasis on convenience and real-world spending applications.
App features:
PIN is built around practical use cases. Top features include:
In-app wallet for fiat + crypto balances and instant conversion between them.
Buy & sell cryptocurrency via local payment rails (POLi in NZ, bank transfer in Australia) with fast delivery to your PIN Wallet.
SHOP menu giving instant access to gift cards and prepaid Visa/Mastercard top-ups — convert crypto to spendable cards inside the app.
Web3 Mastercard / prepaid cards: load, manage, and spend either via a virtual card or a physical prepaid Mastercard that spends anywhere Mastercard is accepted.)
Merchant tools and business onboarding for merchants who want to accept crypto through the PIN Network.
These features make daily use simple: stash crypto, buy instantly, and spend at local shops or online without extra conversion steps.
Supported assets: Which coins can you hold and spend?
PIN supports a broad basket of digital assets. The platform advertises support for 40+ cryptocurrencies, including major tokens such as Bitcoin (BTC), Ethereum (ETH), stablecoins (e.g., USDT/USDC), and popular altcoins, with the deck continuing to expand. That diversity is especially useful when your card or shop conversion requires specific assets to top up cards or buy gift cards.
How to buy crypto in the PIN app:
Buying crypto inside PIN is optimised for local users in NZ & AUS:
Create and verify your account: KYC is required to comply with local AML/KYC rules. Expect standard identity checks.
Open the Buy menu and choose your payment method (POLi in NZ, bank transfer in AU, or another listed option).
Select the asset & amount; the app displays live rates and fee estimates so you know what you’ll receive before confirming.
Complete payment: most NZ POLi buys settle instantly or within minutes; in AU, bank transfers vary. The crypto is delivered to your PIN Wallet.
Optionally convert or top up a prepaid card via the SHOP menu to spend your crypto anywhere.
TIP: Always check the app’s live rate and fee screen before confirming a buy. For a buyer’s guide and local tips, see Pay It Now’s NZ buying guide.
Security & backups: How PIN protects your funds
Security when dealing with crypto is paramount. PIN combines multiple protective measures:
Regulatory compliance: Pay It Now operates in New Zealand and Australia and performs KYC/AML checks to meet local regulations, which helps protect users and the ecosystem.
Wallet protections: The app stores user balances in a managed wallet with standard industry practices for private key management and custodial safeguards. (Exact custody model and encryption details are published in the app’s security & terms pages.)
Account safety: Use strong passwords, enable two-factor authentication if offered, and keep your recovery phrases/private backups secure and offline. PIN also provides clear instructions for backups inside the app.
Security checklist for users: Enable available 2FA, store seed phrases offline, avoid public Wi-Fi when doing large transactions, and verify transaction details before confirming.
Card & spending features:
One of PIN’s standout propositions is real-world spending:
Web3 Mastercard / prepaid cards: Load a prepaid Mastercard directly from your PIN Wallet using supported crypto assets or fiat. Once loaded, spend anywhere Mastercard is accepted, online or in stores. This removes the manual step of converting to NZD or AUD before spending.
Instant conversion at POS: When you spend, the app converts the exact crypto amount to fiat in real time so merchants are paid in fiat, just like a normal card transaction. Reviews and platform notes highlight a smooth at-point-of-sale conversion.
Gift cards & vouchers: The SHOP menu lets you buy local & international gift cards with crypto — handy for gifting or paying services that don’t accept crypto directly.
If spending flexibility is a priority, the card features and SHOP options make PIN a practical Cryptocurrency App for everyday life. For card specifics, top-up instructions, and fees.
Important: Investing in cryptocurrencies carries inherent risks, and there are no guarantees of returns. It is crucial to exercise caution and conduct thorough research before making any investment decisions. Please be aware that the information provided here is for educational and informational purposes only and should not be considered as financial or investment advice.
