First, you must select the “Transfer” then “Ask” function in your Payconiq application. Then fill in the phone number (by direct entry or by choosing the contact in the address book of your smartphone) of the person to whom you wish to ask for money, as well as the amount. The request is then sent directly to your contact.

If the recipient has already activated Payconiq, he/she will receive a notification on his/her phone (if he/she has authorized the reception of notifications) and will have to validate the sending of money using his/her PIN code or by means of his fingerprint. The sum will then be credited to your account within the standard transfer / Eurotransfer delay, usually the next business day.

If the person holding the number you have chosen does not have Payconiq yet, you can authorize the sending of an SMS asking them to register, and your request will be put on hold for a maximum of 15 days. Once the person has activated Payconiq, he/she will receive a notification on his/her phone (if he/she has authorized the reception of notifications) and will have to validate the sending of money by means of his/her PIN or by means of his/her finger print.