help customers pay less. keep the value of every sale.
this page explains the complete in-store PayAttention flow: what the cashier does, what the customer sees, why partner brands finance the discount, how much the business receives, when funds arrive, and how the current offer network works.
detailed when you need it. easy to navigate.
open only the section you need, or use “open all” to read the complete guide from beginning to end.
01
what PayAttention does
the product, the three participants and the basic promise
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PayAttention is an optional checkout method that lets a customer choose an immediate discount funded by a partner brand. the customer pays less at the point of sale, while the business receives the full purchase price less the processing fee.
customer
chooses between the regular price and a lower sponsor-funded price.
business
completes the sale immediately and does not fund the discount from its margin.
partner brand
uses its marketing budget to acquire a customer or generate a tracked purchase.
02
how the in-store cashier flow works
from entering the amount to completing the purchase
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the cashier uses a secure PayAttention merchant page on a phone, tablet or laptop. no new terminal or installed application is required.
- sign in. the cashier opens the merchant page using the login issued during onboarding.
- enter the exact purchase amount. the interface works like a simple payment terminal.
- generate a one-time QR code. the QR code is linked to that transaction and amount.
- show the QR code. the customer scans it using their own phone.
- confirm the payment. once the initial payment succeeds, the purchase is complete and the product or service can be provided immediately.
03
what the customer sees
an interactive preview of the checkout and post-purchase flow
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the customer sees the regular price and the sponsor-funded price side by side. they can always ignore the discount and pay normally.
scan to pay
this QR code is linked to your $50 purchase.
04
why advertisers finance customer discounts
the marketing-budget logic in plain language
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every advertiser has a marketing budget for finding customers and generating sales. traditionally, much of that budget goes to platforms that charge for impressions, clicks and leads even when no valuable action happens.
PayAttention lets a partner brand move part of the same marketing budget into a customer’s discount. in exchange, the brand receives a measurable result rather than only exposure.
the advertiser already plans to spend
the money would otherwise be used for ads, affiliates, promotions or acquisition incentives.
the budget becomes a real discount
the customer receives value at a trusted purchase moment instead of seeing another generic advertisement.
the advertiser receives commercial value
a new customer, account, trial, tracked transaction, product purchase or another verified action.
less wasted marketing spend
the partner pays for a completed result, not only for someone seeing or clicking an advertisement.
a high-intent audience
the customer is already making a purchase, which signals intent and purchasing capacity.
05
money flow, processing fee and fallback charge
exactly what happens in the $50 / $30 example
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the PayAttention processing fee is 2.6% + $0.10. it is charged once and applies only to the initial customer payment.
if the offer is completed
the customer keeps the $20 discount. no additional amount is charged. the partner brand funds the discount.
if the offer is not completed within 24 hours
the remaining $20 is charged. no second processing fee is deducted from the merchant, and the customer can still complete an eligible offer later.
late completion rewards the customer
after the fallback charge, a later verified action returns the value of the reversed discount as PayAttention loyalty points. in this example, the customer receives $20 in points to spend with participating partners.
the business receives money, not points
the original business can still receive its $2–$10 revenue share as an ordinary cash payment after the late action is verified.
- the customer never pays more than the original $50 price.
- the fee is not applied to the $20 covered by PayAttention.
- the fee is not applied to the later $20 fallback charge.
- the fee is not applied to the merchant’s additional $2–$10 payment.
- PayAttention loyalty points are a programme benefit for use with participating partners and are not an additional cash payment from the original business.
06
when the business receives the sale proceeds
the t+2 settlement schedule
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the original sale payout is processed on a t+2 schedule: two calendar days after the initial customer transaction.
transaction completed
the customer pays the initial amount and the business provides the product or service.
cash-discount window closes
the 24-hour window determines whether the customer keeps the cash discount or the fallback is charged. the partner offer can remain available afterward.
sale payout processed
the business receives the purchase value less the fee on the initial payment.
07
additional revenue for the business
how the $2–$10 payment works
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when the customer successfully completes a partner offer, the business receives an additional payment of approximately $2–$10.
the exact amount depends on the offer selected and the commercial quality of the matched audience. relevant factors include customer eligibility, purchasing capacity, the action required, and the value of that action to the partner brand.
offer selected
different actions create different value for partner brands.
audience quality
eligibility, purchase intent and likely customer value affect campaign economics.
successful verification
the additional payment is credited only after the required action is verified.
08
bank-grade security controls
why the cashier interface can be used on an authorized personal device
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PayAttention uses encrypted payment infrastructure and separates cashier access from sensitive customer payment data and merchant settlement settings.
- the cashier never enters, sees or stores the customer’s card details.
- payment details remain on the customer’s own device.
- each QR code is generated for one transaction and one purchase amount.
- merchant access is protected by authentication.
- customer payment information is not stored on the cashier’s phone or laptop.
- merchant settlement details are managed separately from the cashier interface, so cashier access cannot redirect the payout to another bank account.
- no special software needs to be installed on the device.
09
current partner and offer network
searchable customer offers and purchase-based brand options
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PayAttention can finance discounts through two complementary types of partner inventory. the first includes direct customer offers such as trials, registrations, subscriptions and promotional actions. the second includes brands available for online or in-store purchase-based offers.
searchable offer catalog
JavaScript is required to search and filter the complete current partner network.
10
what the merchant can control
brand fit, discount limits and staff access
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blocked categories
exclude partner categories that do not fit the business, its customers or its brand standards.
discount limits
define which transaction values and maximum discount amounts are available.
eligible locations
choose the stores, teams or countries where the PayAttention option is offered.
staff access
issue and revoke merchant access without giving staff control over settlement details.
11
merchant onboarding and launch
electronic documents, account setup and a test transaction
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- submit an application. use the form below or email ilove@payattention.now.
- accept documents electronically. merchant terms and relevant data-processing documents are sent by email.
- receive merchant access. PayAttention creates the account and provides login instructions for authorized staff.
- choose operating controls. confirm locations, discount limits and any blocked partner categories.
- run a test transaction. we verify the initial payment, discount coverage, fallback path and settlement details.
- go live. staff can begin generating transaction QR codes from the merchant page.
12
common merchant questions
short answers to the most important operational points
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does the business fund the discount?+
when is the purchase considered complete?+
what happens if the customer misses the 24-hour deadline?+
can the business earn revenue after the deadline?+
where is the processing fee applied?+
when are the funds paid?+
does every customer see every offer?+
does PayAttention sell the merchant’s customer data?+
is special hardware required?+
add a new funded payment path to your checkout
tell us about your business. we will explain the setup, provide access to the merchant interface and arrange a test transaction.