Read me first (Overview for new clients)

So your new and ready to get started?

How to use Pay Advantage

Your Pay Advantage service is provided to you via a secure web based client panel. This panel provides all the tools you need to get the most out of your service and allows you to:

  • Manage customers
  • View payments
  • Generate BPAY Reference numbers
  • Setup Direct Debit Schedules for your customers
  • Print & Export reports
  • View your billing information
  • Control security

Setting up your customers

Before you can receive any payments you need to setup your customers.

This can be done by:

Once your customers are created you have the option of generating a BPAY reference number or creating a direct debit for the customer.

Using BPAY

BPAY is the perfect way to receive payments from your customers Savings, Visa or Mastercard accounts. 

To allow customers to make payments to your business using BPAY you can:

  • Verbally give your customers the BPAY Biller Code and Reference number listed for that particular customer
  • Include the BPAY Logo, Biller Code and Reference on your invoices (see Including BPAY on my Invoices)
  • Email your customers their BPAY Biller Code and Reference via the customer panel.
Once your customers have been given their unique Biller Code and Reference you can start receiving payments. Any payments received will be displayed under the customers payment tab or from the main payment tab.

Direct Debit

Direct Debit is perfect for the collection funds from a customer on a regular basis.

To begin using Direct Debit you must first download the Direct Debit Request form. This form is a legally binding agreement between you, your customer and us and contains the terms and conditions relating to the direct debit. This form can be found under the Direct Debit tab.

You are permitted to place your own logo on the Direct Debit Request form however you can not change any of the terms and conditions.

Once your customer has completed the Direct Debit Request Form you can then create a new Direct Debit Schedule. 

Please be aware that if the Direct Debit Request form is not correctly completed, not signed or appears to be tampered with then the Direct Debit will be rejected.

Also if the amount is $1000 or more a fortnight for the Direct Debit then Pay advantage requires your customers I.D sent through on one document with the PDF Direct Debit Request form.

Receiving Payments into your bank account

BPAY payments that are made by your customers before their banks specified cut off time on a business day will generally appear within Pay Advantage after 9.00am the following day (Payments can take upto 48 hours) . Depending on your plan these funds will generally be settled to your bank account on the next business day from receipt of the payment. Read More

Direct Debit payments are processed at various times throughout the day. Once a Direct Debit payment has been processed it will appear in your payments list. Direct Debit payments take 4 business days to clear and are settled to your nominated account the first business day after funds have cleared. Read More

You will receive a single credit into your nominated bank account containing the total of all payments due to be credited for a particular business day. You can then view the listing of payments relating to a particular credit from the secure client panel under the Settlements tab. You can also receive notifications via email when a credit is made to your bank account. Read More

Fees and Charges

Any fees relating to payments on your account will be debited from your nominated bank account on a Friday or the next business day. An email notification can be sent to you information you of the amount debited. Invoices can be viewed and printed via the secure client service.


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