FAQs

Direct debits take 2 business days to clear.

Please log into your MyPayNow account, go to the side-menu, select “My Profile” and edit employment details. If you currently have a payment scheduled, please contact our friendly customer service team on customerservice@mypaynow.com.au

To change your payment date, you can contact our friendly customer service team on customerservice@mypaynow.com.au

Please note: you will not be able to change your debit date if you have a pending payment.

Unfortunately, not. MyPayNow is a wage advance service, meaning you will need to be receiving regular income from an employer.

Absolutely, you can pay out early using the “Payout Early” option in the side-menu of the app.

Your approval limit is based on your identified income and affordability assessment. If you receive a pay rise and would like access to more funds - simply update your employment details for us to reassess.

MyPayNow is available to working Australian residents, over the age of 18, that meet our eligibility criteria.

To delay your repayment, simply log in to the MyPayNow app, click the side menu and select “Request Delay”.
If you need further assistance, please contact our friendly customer support team on customerservice@mypaynow.com.au

Absolutely! You can split your repayment across two pay cycles if you have advanced your full limit. To split your repayment, go to the side-menu of your MyPayNow account, and select “Request a Split”.
If you need further assistance, please contact our friendly customer support team on customerservice@mypaynow.com.au

MyPayNow is a wage advance service that allows you to access up to ...% of your wage, early! We deal directly with you, instead of your employer! We pride ourselves on being fast, efficient and available 24/7 with instant deposits once approved and funds are requested*.

_{*Does not apply if your bank does not accept OSKO payments.}

Yes, our system uses the highest level of encryption, which is the same as the banks!

We only charge a 5% fee on your advance. Plus, 24% interest per annum until your advance is paid.

For example:

• If you took out a $100 advance for 7 days, you'd pay back:
  • Flat fee: $5
  • Interest: $0.48
  • Total = $105.48
  
  
• If you took out a $100 advance for 28 days, you'd pay back:
  • Flat fee: $5
  • Interest: $1.93
  • Total = $106.93

We do not charge missed payment, late payment, direct debit or any other hidden fees, it's that simple.

Nope! MyPayNow doesn’t charge any direct debit, failed or missed payment fees, account keeping or monthly fees.

MyPayNow provides you with a portion of your wage to allow you to handle unexpected expenses whilst ensuring you are within your means for repayment.

The minimum income required to use MyPayNow is $... take home per week, $... a fortnight, or $... per month.

MyPayNow allows you to advance up to a quarter of your regular wage.

Our system uses state-of-the-art AI to identify income and spending patterns to determine affordability and suitability.
Once identified, your advance limit is determined as a quarter of your regular wage!

Yes, of course! Provided your income from employment meets our minimum requirement and you pass our suitability assessment.

You can advance up to your pay limit which is set at ...% of your identified income. Once your advance has been repaid, you'll be able to request funds again.

Once you have completed the account creation process and been approved, you will be able to request a wage advance straight away.

Unfortunately, we cannot assist you until your most recent wage meets the minimum income requirement of $... a week, $... a fortnight or $... per month

A direct debit is automatically scheduled to come out of your nominated bank account on your next pay day. Alternatively, you can make a debit card payment.

Our direct debits are processed by a third party, meaning they can be attempted at any point during the day.

There are no direct debit fees at all!

$0! We do not charge any missed or failed payment fees.

If your circumstances have changed and you need to change either of these, please contact our friendly customer service team on customerservice@mypaynow.com.au

Unfortunately, you are unable to have repayments come out of a different bank account to which you receive your wage deposit.

If you have no repayments waiting to clear, simply login to your MyPayNow account and update your bank details in “My Profile”.

If you're waiting for a repayment to clear, you'll have to wait until it's processed before updating your bank details.

If you have withdrawn multiple advances in one pay cycle, each advance will be debited as a separate payment on your next pay.

For example, if you advanced a total of $150 during your pay cycle, consisting of a $100 advance and a $50 advance, there will be two debits from your account on your next pay day.

MyPayNow is designed to be repaid in full on your next scheduled pay day. However, we understand that circumstances can change, and life happens. If you need to make any amendments, please contact our customer support team on customerservice@mypaynow.com.au and they will be happy to help.

MyPayNow will deposit using the latest NPP (OSKO) payment technology, meaning funds will clear instantly, 24/7.
_{Please note: If your bank does not accept OSKO payments, you will not receive your funds straight away.}

Yes! We use the NPP (OSKO) payments platform which means you'll receive your requested funds instantly, 24 hours a day 7 days a week.
_{Please note: If your bank does not accept OSKO payments and you request an advance on the weekend, you will not receive it until the next business day.}

If your payment fails, you're welcome to make the payment via debit card, alternatively, the payment will be re-attempted on your next scheduled pay day.

By requesting a delay, your payment will be put on hold until the following pay cycle. Don't worry, we don't charge any fees for delaying your repayment.

Please note: if you have a remaining credit limit on your account and delay your repayment, you will not have access to any more advances until your account is paid in full.

You can pay with any debit card (Visa or Mastercard). We do not accept payments made with Credit Cards.

You will need:

• Your mobile phone number
• Your email address
• A valid form of Australian ID (e.g. an open drivers licence, Medicare card or passport)
• The date and amount of your last wage deposit
• Your internet banking details
• The bank account where your salary is deposited into. This account must have 70 days worth of bank transactions.

We only accept an Australian open driver's licence, Australian passport or Medicare card. We cannot accept proof of age cards or a learner's licence.

It takes about 5 minutes to set up your MyPayNow account. Once set up, it only takes 60 seconds for your advance to be deposited into your bank account.

• You do not meet the minimum income requirement
• We could not identify wages in your bank account
• You are only receiving Centrelink benefits
• We identified recent failed payments to other companies
• You have an irregular pay cycle
• Too much gambling identified in your bank account
• You have reached your advance limit for your pay cycle
• You have a joint bank account with another MyPayNow customer

MyPayNow needs these details to confirm that you are employed and receive a wage on a regular basis. Without a statement supplied we are unable to assist you.

No, MyPayNow only has access to your bank statement, not your login details. Additionally, we do not store any of your login information.

Unfortunately, we are unable to accept manual bank statements via email or fax. As the system is automated, we require you to follow the steps in the app.

We receive a read only copy of your transactions, which our system uses to assess your eligibility for a wage advance.

Unfortunately, if your bank is not listed, you won't be able to use our service.

Unfortunately, our current third-party statement provider does not support Up Bank or 86400. We are working hard to add additional banks and hope we can assist you soon!

To ensure your details and employment information are still correct, we will need an updated bank statement from time to time.

You can only use one bank account with MyPayNow, and it must be the account where most of your wage is deposited.

Due to our automated service, we need to deposit advances into the same bank account that your regular wage is credited into. We will also take the repayment out of this account.

No, for security reasons MyPayNow needs a unique bank account for each user.
If you are both paid into separate bank accounts (different BSB and ACC number) we can assist you. If you're unsure just reach out to our customer service team on customerservice@mypaynow.com.au for assistance.

Simply log into your MyPayNow account and head to “My Profile” in the side-menu.

Your username is the email address used when you first applied. If you're still having difficulties signing in to your MyPayNow account, please reach out to our customer service team on customerservice@mypaynow.com.au

On the login page, select “forgot password” and follow the prompts to reset your password.

Our system assesses using both the information you enter upon signup, as well as your wage deposit in your bank statement.
If you have entered the incorrect pay date or amount, our system may not be able to identify your salary deposits due to conflicting information. Please ensure you provide accurate information to make the process as quick as possible!

Please contact our friendly customer service team on customerservice@mypaynow.com.au so we can assist you.

No, we only allow one MyPayNow account per user.

Please contact customer support on customerservice@mypaynow.com.au for further information on your account suspension.

If you wish to have your account disabled, please contact our customer service team on customerservice@mypaynow.com.au.

Please note: we cannot disable your account while you have an outstanding balance.

No, there is no credit enquiry made on your file with a Credit Reporting Agency.

Nope! We only deal with you, never your employer.

We always appreciate feedback! Let us know by selecting “HELP” in the side-menu of the app and then select feedback from the drop-down options.

Alternatively, you can leave us a review on Google, Google Play or the App Store.

Yes, you will still have access to your MyPayNow account. If you have outstanding payments, they will be attempted on your next pay day. Provided you are receiving regular wages or have funds in your account while you're on annual leave, there shouldn't be any issues!

MyPayNow is only available for customers that are receiving regular wages. If you are in between jobs, please reach out to our friendly customer support team to make them aware that you are starting a new position.

The minimum age limit for MyPayNow is 18 years old.

Our customer support team is email based only. This enables us to assist customers in a timely manner and track the progress of your requests.

Please use the HELP option in the side-menu of the app and submit a request. One of our friendly staff will respond ASAP.

We're located on the sunny Gold Coast in Australia; however, our business is operated online only.

The fastest way to contact MyPayNow is to log in to your account and use the 'Help' option in the side menu.

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Here’s how it works:

(1) You must be signed up to MyPayNow
(2) Login, then head to the "Refer a friend" tab in the menu bar.
(3) Share your unique link or code with your friends and family

Once they sign up via your unique link or code, get approved and take a wage advance, you will BOTH receive $50* instantly!

Absolutely! Simply sign up and follow the steps outlined above.

If you want to refer friends and earn, you do not need to have taken a wage advance before, you just need to have an account and linked your bank account. However, you will not receive $50 unless your friend signs up, is approved and takes a wage advance.

Nope! The more friends you refer, the more you earn! As long as everyone you refer is approved and takes a wage advance, you'll earn $50 per person.

Wahoo, you're almost there! Once your friend is approved and takes a wage advance, then you will receive your $50 instantly.

If you’re one of the top 3 referrers for the month of December, you’ll earn a share of $5,000! To be a top referrer, you must have the most successful referrals (the referees must have all signed up, been approved and taken a wage advance). If you have referred friends and family but they have not signed up, been approved, and taken a wage advance, your referral does not count.