With the Skip Pay mobile app, you have your Skip Pay card and e-shop purchases in one place, an overview of your monthly bill with the option to defer to the next month, the freedom to pay as much as you like, a virtual card that lets you pay without having to hunt for your card in your wallet, card locking and PIN display for forgetful shoppers, and Rewards with discounts to your favorite stores. Smart pending payment with Skip Pay brings you these benefits: