Payment Requests

Payment Requests let you send your customers a link via email, SMS, or by copying and pasting—to complete a one-off payment. It’s a fast and secure way to collect money without needing to take payment over the phone or in person.

When a customer clicks the link, they’re taken to a secure payment portal where they can:

• Tap to pay with Apple Pay or Google Pay
• Enter credit card or bank account details manually
• Use PayID or PayTo for instant, low-fee bank transfers

Once they submit their payment, they’ll see a real-time confirmation of whether it was successful.

Managing Your Payment Requests

Any outstanding payment requests (where the customer hasn’t paid yet) are visible in your Client Portal under the Payment Request section of the menu. From there, you can:

• Resend the link
• Extend the expiry date
• Cancel the request

How to Create a Payment Request

1. Log in to your Pay Advantage portal.
2. Click the Create button ( + icon) in the top menu.
3. Select Payment / Virtual Terminal.
4. Select the Customer, or create a new customer.
5. Enter the description and amount.
6. Choose the option to Send Payment Request.
7. Choose how to send the request: email, SMS, QR Code or copy the link to share it manually. 

Customising Hosted Pages Style

Refer to the customisation page for more information

Customers View of a Payment Request

Types of Payment Options available on a Payment Request

Apple Pay

• Automatically offered to Apple users using Safari or an iPhone with Apple Pay enabled.
• Offers 3D Secure-level fraud protection.
• Transactions cannot be disputed as fraud-based chargebacks.
• Simple one click action for customers to pay simply

Google Pay

• Shown to customers using Google Pay-enabled browsers or Android devices.
• Offers 3D Secure-level protection.
• Transactions are also protected from fraud-based chargebacks.
• Simple one click action for customers to pay simply

Credit Card

• Customers enter card details manually.
• Name and billing address fields are pre-filled if available in the customer profile.
• Address autocomplete is enabled to make entry easier.
• All credit card payments through Pay Requests are 3D Secure-enabled, so they are not subject to fraud-based chargebacks.

Assigned Credit Card

• If the customer has a saved card on file, you can send a link that allows them to simply click “Charge Card.”
• This still goes through 3D Secure authentication, providing fraud protection.
• Useful when you want customer confirmation on a saved card transaction instead of charging them directly.

PayTo

• A modern bank payment system in Australia.
• Customer enters BSB and account number, or their email or mobile linked to their bank.
• The bank sends a push notification to the customer to approve the payment in their app.
• Offers strong fraud protection, lower fees, and is ideal for larger payments.

PayID

• Customer is shown a PayID email address unique to the amount and their payment.
• They must transfer the exact amount via internet banking.
• If the amount is wrong, it's automatically refunded, and they can try again.

Important Notes & Best Practices

• All links expire after a set time. You can extend the expiry by opening the existing payment request and changing the expiry date.
• 3D Secure means payments are authorised by the customer using device biometrics or passwords helping protect your business from fraud.
• You can monitor all requests from the dashboard, including:
  • Pending, sent, or completed requests
  • Payment status updates
  • Extending the payment request expiry date
  • Cancelling payment requests
  • Attaching a credit card to the payment request

Related Resources

• How to Import Payment Requests (Bulk Upload)
• Using Virtual Terminal