---
title: What is Payemm?🤷‍♀️
description: Quick summary of Payemm and it's purpose.
---

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1. [All About Payemm!😊🩵](https://knowledge.payemm.com/?hsLang=en)
2. [General](https://knowledge.payemm.com/general?hsLang=en)

# What is Payemm?🤷‍♀️

 Welcome to the group chat, Bestie! ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f499/32.png)![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f973/32.png)![](https://fonts.gstatic.com/s/e/notoemoji/17.0/2728/32.png) 

Nowww, let us break down Payemm for you! ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f601/32.png)![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1fa75/32.png)

Think of Payemm as an exclusive, members-only shopping experience where you can get the things you need TODAY, pay $0 out of pocket at checkout, and pay us back LATER! ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f6cd_fe0f/32.png)![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f499/32.png)  
Because let’s face it, Bestie, life happens! ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f979/32.png) Sometimes you need a little helping hand, and that’s exactly what we’re here for! ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1faf6_1f3fd/32.png)

With Payemm, you can shop for everyday essentials like groceries, mobile top-ups, data plans, gift cards, and even cover your bills! ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f4f1/32.png)![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f6d2/32.png)![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f381/32.png)

So how does it work? ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f914/32.png)

- 🛍️ Shop in the Payemm app, and we’ll cover your purchase upfront!
- 💙 Pay $0 today, then repay in 4 payments every 2 weeks, with no interest or late fees, just a [pay-in-4 (service) fee](https://knowledge.payemm.com/payemm-help/how-do-i-pay-back?hsLang=en) shown at checkout.
- 🪙 Earn REAL cashback with [PayCoins](https://knowledge.payemm.com/payemm-help/how-do-i-earn?hsLang=en)when you shop, make payments, refer friends, and more!
- 🥰 Start with one purchase and a smaller shopping limit while you build good payment habits.
- 🎉 Pay responsibly to help build your credit history and unlock higher shopping limits and more purchases over time!

Why? Because we want to help you start small, build good payment habits, and show us that you can comfortably manage your payments with us. ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f970/32.png)

As you make purchases, pay us back responsibly, and build a good payment history, you automatically unlock higher shopping limits and more purchases at once! ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f389/32.png)

**It’s not about giving you money, Bestie.** It’s about giving you access to the things you need, the flexibility to pay over time, and the opportunity to grow with us! ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1fa75/32.png)

Shop smart. ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f6cd_fe0f/32.png) Pay responsibly. ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/2705/32.png) Build your credit. ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f4c8/32.png) Earn REAL cashback. ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1fa99/32.png) Unlock more! ![](https://fonts.gstatic.com/s/e/notoemoji/17.0/1f513/32.png)

 

 

 

- [General](https://knowledge.payemm.com/general?hsLang=en)
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