You do not need to attach your credit card, bank account, or any form of external payment information. Kikoff is free to use and you do not need to pay back the $12 loan from your personal money. 


When you activate your Kikoff account, your $12 loan is deposited into your Kikoff Digital Wallet. A digital wallet is simply a place to hold the $12 – think of it as a Kikoff gift card or store balance.

Since Kikoff is interest free, your digital wallet ensures that you will always have enough money to pay off the loan!


For more information on how to make a payment, please visit our 'How to make a payment' article