# Pay Advantage > Pay Advantage is an Australian payment processing platform that helps businesses collect and automate payments — credit and debit cards, direct debit, PayID, PayTo, BPAY, recurring subscriptions, invoices and payment links — with a developer API and Xero integration. Operating since 2008 and used by 6,000+ Australian businesses. For AI agents: every page below has a clean Markdown version — append `.md` to its URL (e.g. https://www.payadvantage.com.au/direct-debit.md), or fetch all of them at once from https://www.payadvantage.com.au/llms-full.txt. These are rendered from the same content as the live pages, so fees and wording match what customers see. For current fees, use https://www.payadvantage.com.au/pricing.md rather than quoting figures from elsewhere. ## Key facts - Australian company, Australian support team by phone (1300 641 310), email (info@payadvantage.com.au) and live chat. - Cards (Visa, Mastercard, Amex), Apple Pay, Google Pay, PayID, PayTo, BPAY and direct debit in one platform. - No lock-in contracts and no setup or joining fees. - PCI DSS Level 1 certified. - Authorised Representative (No. 1309789) of PBA Financial Licensing Pty Ltd, holder of Australian Financial Services Licence No. 549895. ABN 38 749 739 150. ## Products - [Accept Credit Card Payments](https://www.payadvantage.com.au/accept-credit-card-payments.md): Take card payments online, by link, or in person, with Apple Pay and Google Pay. - [Direct Debit](https://www.payadvantage.com.au/direct-debit.md): Automate recurring payment collection from customer bank accounts and cards. - [Digital Agreements](https://www.payadvantage.com.au/digital-agreements.md): Attach your own terms and conditions to a direct debit so customers accept them and sign the Direct Debit Authority with one signature. - [Direct Debit Plans](https://www.payadvantage.com.au/direct-debit-plans.md): Reusable direct debit plans customers can sign up to themselves, with price changes applied to everyone in one update. - [PayID Payments](https://www.payadvantage.com.au/payid-payments.md): Real-time bank payments at a flat fee per transaction, matched to the customer automatically. - [PayTo Payments](https://www.payadvantage.com.au/payto-payments.md): Customer-approved payments direct from a bank account, settled the next business day. - [BPAY Payments](https://www.payadvantage.com.au/bpay-payments.md): Accept invoice payments via BPAY with custom biller codes and automated reconciliation. - [Tap to Pay](https://www.payadvantage.com.au/tap-to-pay.md): Accept contactless card payments on an iPhone or Android phone, with no extra hardware. - [Payment Requests](https://www.payadvantage.com.au/payment-requests.md): Send payment links by SMS, email or QR code with automated follow-up and instalment plans. - [Customer Invoicing](https://www.payadvantage.com.au/customer-invoicing.md): Itemised invoices customers can pay by link, singly or in bulk, including recurring invoices. - [Subscriptions](https://www.payadvantage.com.au/subscriptions.md): Build recurring revenue with automated subscription and membership billing. - [Virtual Terminal](https://www.payadvantage.com.au/virtual-terminal.md): Securely key in card payments from any device. - [Custom Payments](https://www.payadvantage.com.au/custom-payments.md): Reusable, branded no-code payment links customers can pay by card, Apple Pay, Google Pay, PayID or PayTo. - [Customer Management](https://www.payadvantage.com.au/customer-management.md): Manage customer records, payment methods and payment history in one place. - [Developer API](https://www.payadvantage.com.au/developers.md): Payment APIs, a hosted payment iFrame and a sandbox for custom integrations. - [Xero Integration](https://www.payadvantage.com.au/xero-integration.md): Accept cards, BPAY and PayID on Xero invoices with automatic reconciliation. Official Xero connected app. ## Guides and comparisons - [Payment Methods Compared](https://www.payadvantage.com.au/payment-methods-compared.md): What cards, PayID, direct debit and BPAY cost on a $50, $500 and $5,000 payment, when the money arrives, and which to use when. - [Australian Payment Providers Compared](https://www.payadvantage.com.au/compare.md): Pay Advantage, Stripe, Ezidebit, Pinch, Square, GoCardless, Zeller and PayPal fees and features side by side, each checked against the provider's own website. - [Pay Advantage vs Stripe](https://www.payadvantage.com.au/compare/stripe-vs-pay-advantage.md), [vs Ezidebit](https://www.payadvantage.com.au/compare/ezidebit-vs-pay-advantage.md), [vs Pinch](https://www.payadvantage.com.au/compare/pinch-vs-pay-advantage.md), [vs Square](https://www.payadvantage.com.au/compare/square-vs-pay-advantage.md), [vs GoCardless](https://www.payadvantage.com.au/compare/gocardless-vs-pay-advantage.md), [vs Zeller](https://www.payadvantage.com.au/compare/zeller-vs-pay-advantage.md), [vs PayPal](https://www.payadvantage.com.au/compare/paypal-vs-pay-advantage.md): Fees, features, worked examples, and where each provider fits better. - [Discount Pricing](https://www.payadvantage.com.au/discount-pricing.md): Surcharging in reverse — build card fees into your price and give customers a discount of up to 10% for paying by PayID, PayTo or direct debit, with a worked example of what the business keeps. Also covers card payment limits and switching cards off. - [Credit Card Surcharge Ban](https://www.payadvantage.com.au/credit-card-surcharge-ban.md): What the RBA ban on surcharging Visa, Mastercard and eftpos payments (in effect from 1 October 2026) means for Australian businesses, and how to reduce payment costs without surcharging — flat-fee PayID, card payment limits and checkout incentives. - [Blog](https://www.payadvantage.com.au/blog): Guides and articles on payments for Australian businesses. ## Company - [Pricing](https://www.payadvantage.com.au/pricing.md): Current fees for every payment method. No lock-in contracts. - [About Us](https://www.payadvantage.com.au/about-us.md): Who Pay Advantage is and why it was founded. - [Reviews](https://www.payadvantage.com.au/reviews): Customer stories and testimonials. - [Partner Program](https://www.payadvantage.com.au/partners): Join the Pay Advantage partner network. - [Contact](https://www.payadvantage.com.au/contact): Get in touch with the Pay Advantage team.