Pay, top up and send
in two touches
Hold your phone to the terminal to pay, top up only what you need and send money to family. One app for people who live in Korea and people visiting it.
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Confirm with your fingerprint or face
In the demo, tap the icon to confirm
Pay
Hold your phone to the terminal
Ready to pay for 0:60
Payment complete
Brew Café (sample merchant)
₩5,800
−₩580 · applied at approval from the merchant category
Balance ₩
How much to top up?
Funds come from your linked account. Limits and fees will be published at launch.
Topped up
₩0
PAYSTOA Money ₩
Who are you sending to?
You will see the amount received, the rate and the fee before you send. Real rates will be published at launch.
Transfer received
₩0
We will notify you when it arrives
This is a demo. Amounts and merchants are samples, and no real payment or transfer takes place.
Everyday money, made easy
So you never have to think at the till, the app sorts things out for you.
Tap your phone to pay
Confirm once with biometrics and hold to the terminal. Paying never takes more than two touches.
Top up what you need
Add small amounts to PAYSTOA Money and spend from there.
Send money home
We are preparing small transfers so people working in Korea can support family abroad.
Benefits, automatically
We recognise where you paid, a café, transport or a supermarket, and apply the right benefit at approval.
See the quality of your spending
AI groups spending into essentials, value, habits and impulse, with one suggestion for next week.
No ads
There are no ads in the app. Benefit suggestions come only from your own spending.
For everyone who spends in Korea
Korean and English at launch, with more languages to follow.
Korean card holders
One app instead of many cards and many apps for payments and benefits.
Foreign residents
Verify with your residence card, then pay, top up and send from one app.
Visitors to Korea
We are working to let cards issued abroad work smoothly in Korea.
Three steps to start
Here is how it will work at launch.
Install and verify
Verify with your phone number and ID, and register this phone as your payment device.
Top up or link a card
Top up PAYSTOA Money or link a card you already use. Card numbers stay with the payment provider.
Confirm and tap
Press Pay, confirm with your fingerprint or face and hold the phone to the terminal.
Safe by design
An app that handles money cannot add security later, so we built it in from the start.
Hardware keys
Payments are signed by a key in your phone’s secure chip. Our servers hold public keys only.
No card numbers stored
Card numbers stay in a certified payment provider’s vault, never on PAYSTOA servers.
Checked on the server
We never trust what the app reports; the server checks again and stops suspicious payments in real time.
Every won recorded
Payments, top-ups, transfers and refunds all go into a double-entry ledger.
Team cards and spend control, inside tools you already use
We are preparing spend management for small businesses using Workstoa and TrustSSL.
- Cards and monthly limits per team or project
- Categories you do not allow are declined at approval
- Overseas cloud, ads and subscriptions sorted automatically
2
Most touches to pay
0
Ads
KO·EN
Launch languages
60s
Payment window after you confirm
Questions
We are not live yet, so here are the common ones.
When will PAYSTOA launch?
We are preparing for launch. We will announce dates here and in the app stores once licensing and partnerships are complete.
Can I pay with the app on this page?
No. It is a demo of the flow. It sends no data, and no real payment or transfer takes place.
Can foreigners use it?
Yes. We are designing for foreign residents and visitors from day one. Verification methods and available features will be listed by country at launch.
What are the fees?
Top-up, transfer and exchange fees will be published in the app and on this site before launch. You will always see the amount before you pay.