CyberMoney® is an app you use to securely pay your favorite businesses and receive special offers from the business. The app runs on iOS phones, and your secure payment is made directly from your bank account to the business using a QR code or by tapping your phone to pay. Once you unlock your phone and securely log into your CyberMoney® app, you can tap the payment reader at your merchant. You also have the option to have your CyberMoney® app create a custom and secure one-time QR code that your merchant scans or, if you prefer, your merchant can generate a secure one-time QR code that you scan with your mobile phone. Payment is quick and simple and your favorite businesses save money to grow.