How reward credit works
Reward credit can only be spent on payments inside Payyng. It can cover part of a bill, but never all of it.
Last reviewed 13 November 2026
- Reward credit is for spending. You cannot withdraw it to a bank account.
- When you pay a bill, reward credit can cover part of the amount, and your wallet pays the rest.
- Reward credit never pays a whole bill. Your wallet always covers the rest.
- The confirmation screen shows how much comes from your credit and how much from your wallet.