First, you must select the “Transfer” and then “Send” function in your Payconiq app. Then fill in the phone number (by direct entry or by choosing the contact in your address book on your phone) of the person to whom you want to send money, as well as the amount. Finally, enter your PIN or use your fingerprint to validate the transfer, as for Payconiq payments in store.

If the recipient has already activated Payconiq, he/she will receive a notification on his/her phone (if he/she has authorized the receipt of notifications), and the amount will be credited to his/her account within the standard wire transfer 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 him/her to download the app, and your transfer will be put on hold for a maximum of 15 days. Once the person has activated Payconiq, the transfer will be made from your account (subject to availability of funds at that time).