Humm is a free iPhone application developed by Certegy Ezi-Pay Pty Ltd, available for use in Australia. It allows users to buy now and pay later in interest-free instalments from their favourite merchants online and in-store. The app comes with a straightforward and intuitive interface that makes it easy for users to shop online or in-store. At checkout, users can choose humm and pay for their items in easy instalments, which can be tracked in the app. Payments are deducted automatically from the user's chosen account.

The app also comes with a humm//TAPP feature, which enables contactless payment when shopping in-store. Users can add humm//TAPP to their Apple Wallet through the humm app and tap and go at participating merchants easily and securely.

To be approved for humm, users must be 18 years or older, have a permanent job of 20+ hours per week, meet credit assessment criteria, be a permanent resident of Australia, and have a valid mobile number.

It's important to note that while the app is free to use, an internet connection is required, and normal data charges apply. Downloading and using this app is subject to humm's terms of use.