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There’s a brand new mobile payment app that’s like Apple Pay, but for savers.

Think of it as instant discounted gift cards on steroids. It stacks with everything. It’s instant gratification. It’s all the things. It’s Cray.

Quick and Dirty How-to: Pick a retailer and enter total purchase amount into CrayPay to buy a gift card in the exact amount of your purchase. CrayPay turns the gift card into a barcode the cashier can scan at the register. You pay 1.5-3% less than retail price of the gift card — that’s in addition to any cash back credit card rewards, shopping portals coupons and rebates.


1. Sign up for CrayPay with just your name, address and email.

CrayPay doesn’t need scary access to sensitive personal information, but it does keep the info you provide safe.

Final sign-up step requires creation of a 4-digit PIN and phone number verification to keep your information safe. For additional security, the app signs you out every time you close it. Set touch ID for easier sign-in.


2. Shop in-store or online.

Use CrayPay online or in-store: at the mall, the movie theater or when dining out. And look for local offers in select metro areas. Select a store to view how much you’ll save when you CrayPay; average savings is 1.5-4% at the most popular brands.


3. The more you use CrayPay, the more you’ll save on future purchases.

You’ll earn 100 points for every $1.00 you save on purchases using the app. Points buy you levels, which get you a higher percent savings on your gift cards.

And right now CrayPay is offering a special bonus just for KCL readers!

Normally you’d need to spend $200-250 in purchases to reach level 2 savings, but for a limited time, you can get an immediate 500 points to unlock level 2 savings when you link your bank card and make your first purchase with CrayPay.

I mean, you might as well try it just once for the free savings!

Download Craypay now


4. Shop sales and use coupons. It all stacks because CrayPay is a form of payment, not a discount.

What’s great about CrayPay is that it’s a payment system, so you can still shop the sales, use coupons, and earn rewards points on your purchase. Plus check out with CrayPay for even more savings. It’s like paying with a reduced-priced gift card.


5. Link your credit card to purchase gift cards.

Your credit or debit information is never stored on the device, so your payment information won’t be stolen if your lose your phone or it goes missing.



6. Enter your purchase total at the register.

Enter in the total amount owed on the transaction (after coupons and sales tax), and CrayPay will tell you how much you can instantly save.

For example, you may be able to get a $28.09 Ulta gift card for only $27.00. That’s 3.89% savings.


7. Scan your CrayPay barcode at checkout.

Redeem your CrayPay gift card by having the cashier scan the digital barcode from the app on your phone. Not all locations use barcodes, so some retailers may require that you read back the 16-digit gift card number plus 4-digit PIN.


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8. CrayPay payment redeems like a gift card; savings are instant on iPhone 5 and above.

Gift cards are easy to redeem at checkout.

If, for whatever reason, you don’t use your entire gift card in one transaction, you can save it for later in your wallet.

Bonus: Take a screenshot of an unused redemption barcode with 16-digit number and PIN to share with friends or family members.


9. Use Ibotta and Ebates to save even more.

Save even more after your purchase by rebating with an app like Ibotta.

I just used CrayPay at the Gap Outlet where the subtotal was $24.89. Just by using the app, I instantly saved 2.75% cash back and only paid $24.21 — then I redeemed 5% cash back through Ibotta. Overall I scored 7.75% cash back!

Same with Ebates — make sure you read the merchant’s cash back terms first, then shop through Ebates to score their cash-back offers. At checkout, pay with CrayPay by entering in the 16-digit number as well as the four digit PIN.



10. CrayPay shows you where you can save — at thousands of locations in the U.S.

Over 120 national brands can be used with CrayPay. Locations that accept digital gift cards are listed right in the app, so you always know where to shop and save.


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CrayPay®: The New Digital Wallet App That Saves You Money