How it works

Smarter way to travel

1. Get approved for Paays today.

  • Go through our super-smooth on-line approval process
  • You can apply for up to $5,000 of monthly pay travel financing
  • Once approved, you have 30 days to book

2. Get your Paays virtual MasterCard on the the same day as you apply

  • Our decision process is quick
  • If you’re approved, we’ll load your funds on a Paays virtual
    pre-paid MasterCard

3. Book your trip with ANY travel provider that accepts MasterCard

  • You can book your trip with one of our partners,
    or your own provider
  • Flights, hotels, tours, excursions and car rentals are all eligible

4. Pay for your purchase in monthly installments

  • Pay over 12 equal monthly installments
  • Payments start as low as $91/month

Competitive interest rates vs. credit cards


Flexibility to spread payments over 12+ months


Travel further, longer or better
with monthly payments


Full list of FAQs

Your Dream Vacation in Affordable Payments.