What happens if I don’t join Paym?
If you don’t join Paym, you can still send and receive Pingit payments with your app as normal. You can also send mobile payments to people who’ve joined Paym, you just won’t be able to receive payments from people who’ve only registered for Paym with their bank.
You can use the Barclays Mobile Banking app to register with Paym to only receive payments. This means other Paym users will be able to send you money, but you won’t be able to send money to people who are only using Paym.