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PayIDs are safe and keep you in control of your payment. You don’t need to provide any personal or financial information when you use a PayID.

We’re growing fast! Check back soon for a full list of participating retailers and billers.

Azupay let’s you pay instantly from your bank account using your bank’s existing app. Azupay transfers your funds securely in real-time and does not require you to use a credit or debit card. Simply checkout with Azupay, pay with your banking app using the special PayID provided and your transaction is complete.

The New Payments Platform is an Australian industry-wide payments platform for fast, flexible, data-rich payments.

Azupay is a completely new payment method. You can now pay in real-time without waiting days for funds to transfer. You don’t have to own a credit or debit card and there’s no sign up process. Azupay is the closest thing to paying with real cash from your bank account. Other payment methods can take days to transfer your funds. If your bill is due tomorrow, pay with Azupay to avoid those pesky late fees!

Azupay runs on AWS PCI compliant infrastructure. It accesses the New Payments Platform and settles transactions through the Cuscal Exchange.

No, all you need is a bank account. At checkout or on your bill, we give you a single-use PayID linked to the seller's bank account and to your purchase.

Azupay requires you to have online banking access.

PayID is a simple service that makes paying money to any account fast, safe and easy without knowing or remembering any bank account details (for more information, see Azupay automatically provides you with a unique PayID, only valid for your purchase at check-out (in the form of a QR code and email address). You can then use this PayID to transfer money from your online or mobile banking app. Azupay manages the funds settlements and check-out validation process with the merchant.

Azupay uses your banking app’s security to initiate all payments. Through our partnership with Credit Union Services Corporation Australia Limited (Cuscal), Azupay is on the leading-edge of fraud monitoring capabilities and expertise. Cuscal’s fraud monitoring service Vigil is on guard 24/7, 365 days a year, so you can be sure that we are always on the lookout to protect you from fraud and digital criminal activities. You can find out more here

Should anything happen while you process your payment, Azupay will automatically cancel and refund the transaction.

Azupay can be used at your favourite online store at checkout and soon in-store. You can also pay your bills in real-time using the special QR code printed on your bill (participating billers only).

Azupay is a real-time account-to-account payment method, allowing you to pay from your own bank account in real-time using your existing trusted banking app or online bank site. You don't need to use your own PayID to use Azupay and you don't need to register or download an app. Just make your payment from your existing bank app using the PayID we provide. And because Azupay transactions settle in real-time, it's the closest alternative to cash.

Selected banks and financial institutions use PayID. You can view a list of banks with instructions on how to pay with PayID below.

View the full list here

Azupay is built on the most secure Amazon PCI compliant platform, it uses the latest TLS1.2 encryption technologies and public/private keys to provide access to its payment orchestration engine.

Azupay transactions are completed in real-time 24 hours a day 7 days a week. You can read more about the NPP here.

Azupay is an easy and secure way for your customers to pay from their existing bank account, using their trusted mobile banking app. Azupay uses the Reserve Banks New Payment Platform (NPP) to allow customers to pay directly from their bank account, without the need to enter payment details or a separate password every time a purchase is made. It's designed for the digital age, to simplify the checkout experience, and to provide customers more control and visibility of their finances when they make a payment.

Contact us today! There’s no sign up fee and it costs your business a fraction of other payment methods. Say goodbye to payment reconciliation problems and chargebacks and get paid in real-time.

Azupay provides Merchants with a fully featured Merchant Portal to manage and analyse its customers transactions, live and in real-time. The Portal can also be configured to automate some reconciliation tasks with external systems and APIs

We are in the process of integrating Azupay with a range of POS devices. Please contact us for more information.

Please refer to our prohibited merchant list here.

Azupay can provide you with a unique PayID for each transaction. This means there’s no need to add a reference number to identify the payment and no need to reconcile a reference number to the PayID.

Azupay is fully compliant with the industry banking standard and relies on Cuscal’s Vigil for NPP, an advanced, data-driven fraud engine, which leverages artificial intelligence and machine learning to identify and reduce fraud, while still allowing payments to be authorised in real-time. Most fraudulent payment activity occurs with Card Not Present transactions and Azupay does not require your customer to use or own a credit card or debit card.

Azupay charges the merchant a low, per-transaction fee based on the monthly volume of transactions. Azupay does not charge the payer. Contact us to learn more.