Accept payments directly from your customer's bank account instantly with PayID.
Create unique PayIDs for invoices, payment requests, online checkouts and in person payments, without percentage based card fees.
The convenience of cards. The cost of a bank transfer.
Traditional Cards
1.5% to 2.5%+
per transaction
Fees scale with sale value
A $1,000 sale costs you 10-20x more in fees than a $100 sale
Card details entered
Customers must share card number
High chargeback exposure
Customers can dispute payments
PayID
- Only 48cper transactionBest Value
Same cost, any amount
$10 or $10,000 — still 48c
PayID bank transfer
Nothing sensitive to store or protect
Secured by their bank
Non disputable
The convenience of cards. The cost of a bank transfer.
Accept payments directly from your customer's bank account instantly with PayID.
Create unique PayIDs for invoices, payment requests, online checkouts and in person payments, without percentage based card fees.
Traditional Cards
1.5% to 2.5%+
per transaction
Fees scale with sale value
A $1,000 sale costs you 10-20x more in fees than a $100 sale
Card details entered
Customers must share card number
High chargeback exposure
Customers can dispute payments
PayID
- Only 48cper transactionBest Value
Same cost, any amount
$10 or $10,000 — still 48c
PayID bank transfer
Nothing sensitive to store or protect
Secured by their bank
Non disputable
Instant Confirmation
Know the moment your customer has paid.
Fixed Low Cost
Pay the same fee whether the payment is $50 or $5,000.
Automatic Reconciliation
Unique PayIDs make matching payments effortless.
One Payment Method. Every Sales Channel.
Whether you're sending invoices, taking payments face to face, or accepting orders online, PayID provides a fast, secure and cost effective way to get paid.
In Person
Turn your phone into a low cost payment terminal.
Display a QR code linked to a unique PayID and let customers pay instantly from their mobile banking app. Perfect for retail, events and businesses looking to reduce card processing costs.
Invoice Payments
Get invoices paid faster.
Generate a unique PayID for every invoice and allow customers to pay directly from their banking app. No reference numbers. No manual matching. No waiting days to confirm payment.
Online Checkout
Offer a smarter alternative to cards.
Add PayID to your checkout and give customers another way to pay. Customers simply approve the payment in their banking app while you receive instant confirmation and lower transaction costs.
Protect your margins in a post-surcharge world
As surcharge restrictions tighten, more businesses are being forced to absorb card processing costs. PayID gives you a practical alternative. By moving customers from percentage-based card payments to low-cost account-to-account transfers, you can significantly reduce payment acceptance costs while maintaining a fast customer experience.
01
Up to 99% cheaper
Processing cost on a $5,000 payment
Lower Costs on High-Value Transactions
The larger the payment, the greater the savings. A $5,000 card payment can cost over $75 in processing fees. The same payment through PayID could cost less than a dollar.
02
Instant Confirmation
Unlike traditional bank transfers, PayID provides real-time confirmation. You can send products, activate services or confirm bookings immediately.
03
More Ways for Customers to Pay
Not every customer wants to enter card details online. PayID allows customers to pay directly from their trusted banking app, creating a simple and familiar payment experience.
04
Ideal for B2B Transactions
Many businesses don't issue staff credit cards or have spending limits in place. PayID removes these barriers by allowing authorised staff to make payments directly through their online banking platform.
Easy setup, helpful service when you need it and able to make my business stand out among the rest, even though I may not be as big as my competitors (yet!)
Trusted by thousands of Australian businesses
Enterprise Infrastructure. Designed for Everyday Business.
Issue branded PayIDs under your own business identity, reconcile every payment automatically, and switch them on or off whenever you need to.
Use your own domain
Branded PayIDs, under your business identity
Issue branded PayIDs using your own business identity to build trust and reinforce your brand with every transaction.
Self-reconciling payments
Every payment arrives with a purpose
Link each PayID to a specific invoice, customer or order. No more searching bank statements or matching vague references.
Total control
Turn PayIDs on or off instantly
Deactivate individual PayIDs whenever required — perfect for expired invoices, cancelled orders or one-time payment requests.
One simple, flat fee. No surprises.
No setup fees or monthly platform charges. Just real-time bank payments at a low, fixed cost — the same price whether you collect $10 or $10,000.
PayID payments
(Real-time bank transfers)
Get paid directly from your customer’s bank account with instant confirmation. A flat fee per transaction, with no percentage-based card fees eating into your margins.
48¢
per transaction
- Flat fee, any amount
- Real-time payment confirmation
- Next business day settlement
The Promise
You shouldn’t need a subscription just to get paid.
To offer these rates, we use a simple minimum monthly spend that is fully waived for your first 30 days. This gives you time to onboard customers and scale without pressure.
Build with PayID
Developer Docs
Issue PayIDs, listen for real-time confirmations, and reconcile payments automatically through our Payment Authorisation API.
Modern payments, Trusted by business
Join 6,000+ Australian Businesses Growing with Pay Advantage.
From growing teams to established brands, one platform for every way your customers pay.
⭐⭐⭐⭐⭐
"Pay Advantage has revolutionized our payment processing. The seamless integration and outstanding support have made all the difference."
⭐⭐⭐⭐⭐
"The virtual terminal is incredibly user-friendly. We've cut our payment processing time in half since switching to Pay Advantage."
⭐⭐⭐⭐⭐
"BPAY integration was exactly what our customers needed. The setup was quick and the results have been fantastic."
⭐⭐⭐⭐⭐
"Outstanding customer service and reliable payment solutions. Pay Advantage has exceeded our expectations in every way."
⭐⭐⭐⭐⭐
"The recurring payment feature has automated our billing process completely. It's been a game-changer for our subscription model."
⭐⭐⭐⭐⭐
"PayTo payments are lightning fast and our customers love the convenience. The reporting dashboard is also excellent."
⭐⭐⭐⭐⭐
"We've seen a 40% increase in payment completion rates since implementing Pay Advantage. The platform is simply outstanding."
⭐⭐⭐⭐⭐
"The API documentation is clear and the integration process was smooth. Our development team was impressed with the quality."
⭐⭐⭐⭐⭐
"Credit card processing has never been easier. The security features give us and our customers complete peace of mind."
⭐⭐⭐⭐⭐
"Pay Advantage's payment request feature has streamlined our invoicing process. We get paid faster and more efficiently now."
⭐⭐⭐⭐⭐
"Pay Advantage has revolutionized our payment processing. The seamless integration and outstanding support have made all the difference."
⭐⭐⭐⭐⭐
"The virtual terminal is incredibly user-friendly. We've cut our payment processing time in half since switching to Pay Advantage."
⭐⭐⭐⭐⭐
"BPAY integration was exactly what our customers needed. The setup was quick and the results have been fantastic."
⭐⭐⭐⭐⭐
"Outstanding customer service and reliable payment solutions. Pay Advantage has exceeded our expectations in every way."
⭐⭐⭐⭐⭐
"The recurring payment feature has automated our billing process completely. It's been a game-changer for our subscription model."
⭐⭐⭐⭐⭐
"PayTo payments are lightning fast and our customers love the convenience. The reporting dashboard is also excellent."
⭐⭐⭐⭐⭐
"We've seen a 40% increase in payment completion rates since implementing Pay Advantage. The platform is simply outstanding."
⭐⭐⭐⭐⭐
"The API documentation is clear and the integration process was smooth. Our development team was impressed with the quality."
⭐⭐⭐⭐⭐
"Credit card processing has never been easier. The security features give us and our customers complete peace of mind."
⭐⭐⭐⭐⭐
"Pay Advantage's payment request feature has streamlined our invoicing process. We get paid faster and more efficiently now."
Real people. Real payment experts.
Talk to our team
Talk to someone when you need it
Whether you prefer phone, email, or live chat. We promise no long wait times, just real people ready to help.
Problem solvers, not script readers
Talk directly to Australian specialists who know the product and payments inside and out.
Guided setup right from Day One
We provide 1-on-1 walkthroughs, so you can skip the endless clicks and frustrated trials.
Scalable support for every stage
From your first day to your biggest year, we’re here to help you grow and scale.
Simply good old fashioned Aussie service, very helpful staff! Strongly recommend this company if you are looking at this type of product for your business.
Trusted by thousands of Australian businesses
FAQs
PayID questions
PayID lets your customers pay you directly from their bank account using a simple identifier instead of card details — at checkout they log into their banking app and complete the payment in seconds, with the funds confirmed in real time.
How does PayID work for business in Australia?
You’re assigned a unique PayID and share it with customers via a payment link, invoice, or checkout. The customer sends the payment from their banking app, and Pay Advantage validates it in real time and automatically matches it to the correct customer — so you get immediate confirmation.
Is PayID safe to use?
Yes. Because the customer initiates the payment from their own bank, PayID payments are bank-verified and carry a lower fraud risk than cards. Pay Advantage adds built-in checks to confirm the correct amount is received, along with fraud prevention and chargeback protection.
How fast are PayID payments?
PayID is a real-time payment method. You receive immediate confirmation when a customer pays, and the payment is validated and matched to the customer instantly, making it faster than waiting on card settlement.
Is PayID cheaper than accepting cards?
PayID is designed as a lower-cost alternative to cards, with fixed transaction fees that help you save on card processing costs. See the pricing section for current rates.
What’s the difference between PayID and PayTo?
With PayID, the customer sends money to you directly from their bank account. With PayTo, you send the customer a payment request that they approve in their banking app, which is well suited to recurring and subscription billing.
How can I collect PayID payments?
You can take PayID through a branded payment request link, through the virtual terminal, or embedded directly into your own systems using the Payment Authorisation API.
Start Taking Payments Today
Join 6,000+ Australian merchants who’ve made the switch.
- Setup in minutes, not weeks
- PCI-DSS compliant & bank-grade security
- Local Australian support team