Pricing

Instant Pay is a leading provider of payment solutions that only provision cleared funds.

As we’re working with cleared funds, our cost of service is much lower than our competition. We can also deliver cleared funds much faster to our merchant customers.

Fixed fee is the future of commerce, join Instant Pay today.

Enhanced Direct Debit Only

$33 / mo

$1 / per transaction

  • Access to our Enhanced Direct Debit Facility
  • API Direct Debit Features
  • Use Enhanced AML and Fraud Detection
  • Customer management and reconciliation
  • Direct Debit Dishonours $5
  • $199 KYC onboarding fee

NPP & API Banking - Business

$199 / mo

$2.50 / per transaction

  • Receive and Send via NPP and API
  • Bundled with our Enhanced Direct Debit
  • A fixed fee* of just $2.50 per incoming and outgoing transaction
  • Includes SMS management with customers
  • Transactional reconciliation plug and play
  • Request payment from anyone
  • Shopping cart integration tools
  • Dedicated support.
  • Outbound dishonours $30
  • Direct debit dishonours are $5
  • $199 KYC onboarding fee

NPP & API Banking - Enterprise

$770 / mo

$1 / per transaction

  • Receive and Send via NPP and API
  • Bundled with our Enhanced Direct Debit
  • A fixed fee* of just $1 per incoming and outgoing transaction
  • Includes SMS management with customers
  • Transactional reconciliation plug and play
  • Request payment from anyone
  • Shopping cart integration tools
  • Dedicated support.
  • Outbound dishonours $15
  • Direct debit dishonours are $5
  • $199 KYC onboarding fee

Compare

We’re the best priced fixed fee payment and remitter provider in Australia that can offer incoming and outgoing NPP payments via API.

Compare Instant Pay with the competition. Click below to view comparison tables.

feature-image
Instant Pay

Fixed fee of $1

Same day payout via NPP with reconciliation export tools

Simple bank transfer from the payer’s account

Payer does not require an account

Granular payer details (name, mobile, BSB and ACC, timestamp)

NPP incoming and outgoing

Redundancy payment measures built in (part payment, over payment, late payment)

Detailed transaction and fee dashboard

Custom embed on-page payment tools

Manual payment request feature

Send money on demand feature via NPP with remit

Remit to any function (web, crm, wherever you require)

PayID compatible

Multi-day payment compatible

Split payments with friends, coming soon.

feature-image
Poli

Variable fee up to $3.30

Direct debit and awkward use of bank details

No granular details of the payer

NPP incoming (not outgoing)

No redundancy payment measures (if user pays wrong amount)

feature-image
Credit Cards

Merchant rate costs from 1-3.8%

Insecure. Payer has to input their card details into the internet

Average time to payout is 2.5 days

Subject to fraud and charge backs

feature-image
Afterpay

Fixed fee of 30c + 3-7%

Average time to payout is 5 working days

Payer requires an Afterpay account

feature-image
Other NPP API providers

Huge onboarding and ongoing costs

No payment redundancy methods