Frequently Asked Questions

Pay.aw is Aruba’s first and only Mobile Wallet that allows you to make secure and easy Mobile Transfers, Purchases, and Payments. Complete any payment by scanning any personal or business QR code, Send money easily to any Pay.aw Wallet with just their Mobile Number or Request Payment from another User, Purchase Tickets, Pay Bills and do more with our In-App Modules, or Pay in Local Currency on any website with our Pay.aw Web Plugin Solution.

Pay.aw can be used with or without bank linking, just download, register, load up your wallet and start transacting.

Pay.aw can be used on any mobile phone running Apple iOs or Android. Please note that older devices (iOs 10 and below | Android older than Lollipop) may encounter some small compatibility issues.

OS Compatibility:
Apple – iOs 11.0 or later
Android – Lollipop and later

Pay.aw aims to make payments and purchases more convenient. With Pay.aw you can make easy transactions to any other Pay.aw User with just their mobile number or by scanning their personal QR code. You can also make payments to any Company with Pay.aw by scanning their QR code, by filling in their unique QR-Number or using their In-App Module (if they have one).

Yes, Log in to the Pay.aw app and you will see the QR code icon in your home screen. Tap on the QR code icon then tap on ‘Share’. You can now save your QR code or send it to another user.

• Download the Pay.aw app from the Apple App Store or Google Play Store
• Open the Pay.aw app and Tap on ‘Register’
• Enter your name, birth date, mobile number, email and tap on ‘Continue.’ The service is available to all local mobile subscribers with a smartphone.
• Enter the 5-digit one time PIN (OTP) that you will receive via SMS on your mobile phone and click on ‘Submit’
• Choose a new 5-digit PIN for securing and approving transactions in your Pay.aw app
• Your Pay.aw account and wallet have been created!
• Please log in and Happy Pay.aw-ing!

No, the Pay.aw app is whitelisted for SETAR mobile subscribers and will work even if you do not have an active data plan. Important: You must be connected to a Mobile Network, Pay.aw will not work in Airplane mode.

No Bank Account, No problem! Another person can transfer money to your Pay.aw wallet through Peer-to-Peer Transfer (or PayMe), or from their bank account; and, if you DO have a bank account and do not want to link it yet, you can also use the steps below to get money in your wallet.

All customers with a Local Bank Account and Online Banking can send money to ANY Pay.aw Wallet.

How do you do this? Simple:

• Open your Banking App or login to your Online Banking Account
• Make a ‘Local Transer’ to:
  • Name: Payaw
  • Account: 7292929
  • Bank: Aruba Bank
  • Address (if applicable): Seroe Blanco 29 A
  • Purpose (if applicable): 1010-Consumer Goods
  • Description/Payment Detail/Transfer Details: Enter only the 7-digit Mobile Number of the wallet that you’d like to credit, such as “5612345” or “7412345.” Do not include spaces, dashes, or +297; only the Mobile number needs to be entered.
  • Send
• Once you hit send, the transfer will go from your bank account to the Pay.aw Wallet you entered.

NOTE: While having a [linked] bank account is not mandatory for using Pay.aw, linking your bank account does improve your user experience. Also, you will need to have your bank account linked in order to send money from your Pay.aw Wallet to your bank (Cash out).

• Tap on the 3 grey lines in the top left corner of the Pay.aw app
• Tap on ‘Bank Linking’
• Enter First Name, Last Name, select Your Bank, and add your Bank account number.
• Tap on ‘Continue’
• Now, using your Bank’s online banking app (or browser), log into your bank account, and from your online account statement, retrieve the 7-digit number immediately following “Pay.aw token:” which was just added to your account statement. You will find this 7-digit Pay.aw token in the description of your statement following an Afl. 0.01 credit from Pay.aw to your bank account.
• Return to ‘Bank Settings’ in the Pay.aw app, add this 7-digit number in the Pay.aw token screen.
• Tap on ‘Submit’
• The Bank will verify this token, and if it is correct, a message will appear stating that your bank account was successfully linked.
• Now you can make direct and automatic bank-in and bank-out transactions to and from your Pay.aw wallet.

• Tap on the ‘Bank’ icon
• Tap on ‘Bank to Wallet’
• Enter the desired amount (or choose from one of the quick amount links). Please note that your Pay.aw wallet holds a maximum of Afl. 350 at any time.
• Tap on Continue
• Enter your PIN
• Money is automatically added to your wallet

Remember, Bank Linking is for all local banks, but it currently only automates the Bank Out process (except for Aruba Bank Customers).
To send money from your bank account TO Pay.aw you have to follow these steps:

• Open your Banking App or login to your Online Banking Account
• Make a ‘Local Transer’ to:
  • Name: Payaw
  • Account: 7292929
  • Bank: Aruba Bank
  • Address (if applicable): Seroe Blanco 29 A
  • Purpose (if applicable): 1010-Consumer Goods
  • Description/Payment Detail/Transfer Details: Enter only the 7-digit Mobile Number of the wallet that you’d like to credit, such as “5612345” or “7412345.” Do not include spaces, dashes, or +297; only the Mobile number is required.
  • Send
• Once you hit send, the transfer will go from your bank account to the Pay.aw Wallet you entered.

Please note that you will need to link your bank account (only once) before you can transfer money from Pay.aw to your bank account.

• Tap on ‘Bank’ and then on ‘Wallet to Bank’
• Enter the desired amount (or choose from one of the quick amount links)
• Tap on Continue
• Enter your PIN
• Money is automatically transferred from your wallet to your Aruba Bank account
• Please note that an Afl. 0.25 bank-out administration fee is applied by the Bank.

Our security team does its best to prevent misuse of this service. However, if you notice anything unusual with your Pay.aw wallet or account, don’t hesitate to get in touch with Pay.aw customer care at 149 or via WhatsApp at 699-9999 to suspend your account and/or to reset your PIN.

Pay.aw will securely store your bank account number to enable automatic bank-in and bank-out transactions. Whenever a bank related function is executed, however, Pay.aw will present an encrypted token to the bank which will be verified by the bank to ensure the transaction is a legitimate one.

Yes, of course! Our app offers a ‘Vendor’ tab at the bottom center of the home screen where you can easily view all our Vendors with their contact details for your convenience.

In the event of a lost or stolen phone, please call Customer Care at 149 as soon as possible to block your Pay.aw account.

Please call Customer Care at 149 for PIN assistance or tap on the “Forgot Pin” option on the welcome screen.

• Tap on the Pay.aw app Menu icon in the upper left-hand corner of the main screen
• Tap on ‘My Profile’
• Tap on ‘Change PIN’
• Enter your old PIN, and enter your new PIN twice to confirm
• Tap on ‘Submit’
• Enter the one-time PIN (OTP) that you will receive via SMS on your mobile device and click on ‘Change PIN’
• PIN is changed

Please contact Pay.aw Customer Care at 149, and a contact agent will assist you in retrieving your transaction.

In order to cancel your Pay.aw subscription, you will need to click on ‘unregister’ in the ‘My Profile’ page.

At this time, SETAR N.V. is not charging a fee for personal Pay.aw accounts. SETAR N.V. will as usual provide advance notice in case a fee is introduced for a personal Pay.aw account.

Contact the vendor. The vendor, with a manager’s profile, can log in to the vendor app or vendor portal and reverse the (pending and not yet fulfilled) transaction made in the Pay.aw marketplace.

If you send money to the wrong person, you can contact the person and request a refund. Pay.aw is not responsible and cannot reverse such transactions.

In the event that you lose connectivity during a transaction, the transaction won’t be completed. You can redo your transaction when you have Wi-Fi/data.

We’re sorry to hear this. Orders and prepayment are at the vendor’s discretion. Please get in touch with the Vendor/Store to request a status update on your order.

• Tap on ‘Bill Payments’ on Pay.aw app
• Select the company you want to pay
• Scan the barcode that appears at the top of your invoice or manually enter your account number
• Tap on Continue
• The Pay.aw app will present the outstanding balance for the account or the required information for the payment
• Fill in the amount
• Tap on ‘Continue’
• Enter your 5-digit PIN
• Invoice is paid

• Tap on ‘Pay’ on the Pay.aw app
• Ask the vendor to open and present their QR code in Pay.aw so that you can scan it, or alternatively, enter the 7-digit vendor ID-number that you want to pay.
• Enter the amount
• Tap on ‘Continue’
• Enter your 5-digit PIN
• The amount is transferred to the vendor’s account

A refund based on a purchase is dependent on the vendor procedures. Please contact the vendor for any further information.

Yes, tap on the notification icon (bell shaped icon in the upper right-hand corner of the main Pay.aw screen to see all your transactions in chronological order.