In-store payment with OKTO is fast and easy.

1. Go to an OKTO partnering merchant
2. Scan the relevant QR code
3. Insert the amount you want to pay and
4. Submit your payment.

The merchant will receive your payment request and must confirm for the payment to be completed. The relevant amount is transferred instantly to the store from your available balance within the OKTO app, which decreased accordingly based on the amount spent.