In order to use Pingit or any of the Paym systems, you first have to download the relevant app on to your phone and then ensure your phone number is linked to your bank account. For me, this was a cumbersome process, with more than 10 different pages of details I needed to fill in, many levels of security, and three separate verification codes sent to my phone. And if you do not already have your bank account set up on your phone it becomes even more complicated, as I found out.