What do I need to do to make a purchase?

The process is quick and easy, taking less than a minute to complete your application if you are accepted. Applications may be referred for further information checks or declined, in these circumstances the application time will be longer. Subject to your application being approved, you can start spending straight away. Simply choose AppToPay at the checkout for purchases of £100.00-£500.00 and you'll be provided with a code on screen/in store. Just enter the code provided into your app and follow the messages on screen. If you've not yet opened an AppToPay account, please see how to do this here.