Virgin Money has partnered with some exceptional retailers. To pay at any partner store all you need to do is open the app select the “Pay a merchant” option and either scan the QR code provided in-store or scan the QR code on the bill or receipt. If the store doesn’t have a scanner, the teller can entre the numeric code on your phone to the merchant POS. You can choose to pay using your Spot Wallet or a linked card, but you will need to make sure you have sufficient money in whichever account you choose to pay with.