1. Head to https://changenow.io. Choose PAY as the token you want to buy and select the fiat currency to pay for it. 2. Enter the wallet address where you will receive your PAY. 3. Confirm the details of the transaction. 4. Choose a payment gateway and enter your credit card details to pay for it. 5. Once the payment is confirmed, you will receive PAY in your specified wallet within 10 minutes.