How it works
How does KinPay work?
One person creates a request, the other person reviews it, both agree the terms, both sign, and the repayment schedule is tracked.
4 min readProduct explainerUpdated 2026-06-15
The short answer
One person creates a request with clear terms, the other reviews it or makes a counter-offer, both sign, and KinPay keeps the agreed record and schedule.
The short answer
One person creates a request with clear terms, the other reviews it or makes a counter-offer, both sign, and KinPay keeps the agreed record and schedule.
From request to repayment
- 1One person creates a request: the amount, the repayment plan and the dates.
- 2It is sent to one specific person — nobody else sees it.
- 3That person reads the terms and accepts, declines, or makes a counter-offer.
- 4When both people are happy with the same terms, both sign.
- 5The agreement becomes active and the repayment schedule starts.
- 6Repayments are recorded and confirmed, so both people see the same balance.
Ready to try it?
Read the step-by-step guide to creating your first request.
Key takeaway
Request, review, agree, sign, repay — with a shared record at every step.
Next: Create your first request when both of you are ready.
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Need more help?
1. Search KinPay Learn
Most questions already have an answer here. Search now.
2. Use Help inside KinPay
For anything about your own account, open KinPay and use Help in the top-right corner. Where available it attaches the screen you were on.
3. Submit a support request
Tell us what you expected and what happened. Open the form.
4. Email support
Write to support@kinpay.me.