Our gift to you
See how easy it is to get paid with PayID. We're giving our merchants their first 100 PayID transactions every month free to help them significantly reduce payment costs.
First 100 PayID transactions free. $0.48 per transaction thereafter.
Know the moment your customer has paid.
Pay the same fee whether the payment is $50 or $5,000.
Unique PayIDs make matching payments effortless.
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.
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.
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.
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.
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.
Processing cost on a $5,000 payment
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.
Unlike traditional bank transfers, PayID provides real-time confirmation. You can send products, activate services or confirm bookings immediately.
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.
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
Issue branded PayIDs under your own business identity, reconcile every payment automatically, and switch them on or off whenever you need to.
Issue branded PayIDs using your own business identity to build trust and reinforce your brand with every transaction.
Link each PayID to a specific invoice, customer or order. No more searching bank statements or matching vague references.
Deactivate individual PayIDs whenever required — perfect for expired invoices, cancelled orders or one-time payment requests.
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.
(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.
per transaction
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
Issue PayIDs, listen for real-time confirmations, and reconcile payments automatically through our Payment Authorisation API.
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."
Whether you prefer phone, email, or live chat. We promise no long wait times, just real people ready to help.
Talk directly to Australian specialists who know the product and payments inside and out.
We provide 1-on-1 walkthroughs, so you can skip the endless clicks and frustrated trials.
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
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.
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.
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.
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.
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.
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.
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.
Join 6,000+ Australian merchants who’ve made the switch.
