With Settle, you can pay by accepting a request received from a business. Be it a monthly subscription for your gym or a pizza you ordered over the phone - you will receive a payment request from the business along with an explanation for this request.
If you don't know the sender and don't recognise the amount or reasons for the request, you can always reject it.
If you decide to ignore it, the payment request will expire after 48 hours. Moreover, if you consider the request as spam, you can even block the sender.