1. Download the Payo app and sign up using a referral code (gets you $10 as Payo money) 2. Once you have signed up, go to account->Payo money and add promotional code 8P5Z6 -> hit next/enter on keypad (gets you another $10 as payo money) 3. Add your card to your account 4. Order at any accepting restaurants and pay using Payo ->scan QR code at the restaurant->enter the amount quoted by merchant->enter pay by card->select use Payo money and voila, you get $20 off your meal. 5. That's all.