Top FAQs

When do my repayments clear?
Direct debits take 2 business days to clear.
How do I update my employment details?
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
I need to change my direct debit day.
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.
Can I get an advance when my only income is Centrelink?
Unfortunately, not. MyPayNow is a wage advance service, meaning you will need to be receiving regular income from an employer.
Can I payout early to get another advance?
Absolutely, you can pay out early using the “Payout Early” option in the side-menu of the app.
Why can't I get more than my approved limit?
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.
Who can use MyPayNow?
MyPayNow is available to working Australian residents, over the age of 18, that meet our eligibility criteria.
How do I delay a payment?
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
Can I split my repayment?
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

About MyPayNow

What is MyPayNow?
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.
Is MyPayNow secure?
Yes, our system uses the highest level of encryption, which is the same as the banks!
How much does MyPayNow cost?
MyPayNow charges a one-off, flat-rate 5% service fee of the amount advanced.
For example, if you request an advance of $100, our charge is only $5.00.
Are there any hidden fees?
Nope! MyPayNow does not charge any direct debit, failed or missed payment fees, account keeping fees, monthly charges, nor is there any accruing fees or interest.
Why can't I access all my wage?
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.
What is the minimum amount I need to earn before I can apply to MyPayNow?
The minimum income required to use MyPayNow is $... take home per week, $... a fortnight, or $... per month.
How much can I advance?
MyPayNow allows you to advance up to a quarter of your regular wage.
How do you determine my advance limit?
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!
I only work part-time and receive Centrelink, can I use your services?
Yes, of course! Provided your income from employment meets our minimum requirement and you pass our suitability assessment.
How much can I get and how often?
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.
When can I get access to a wage advance?
Once you have completed the account creation process and been approved, you will be able to request a wage advance straight away.


My last pay is missing or below the minimum requirement.
Unfortunately, we cannot assist you until your most recent wage meets the minimum income requirement of $... a week, $... a fortnight or $... per month
How do I pay back my wage advance?
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.
What time do direct debits come out of my bank?
Our direct debits are processed by a third party, meaning they can be attempted at any point during the day.
What are the direct debit fees?
There are no direct debit fees at all!
How much do you charge for a missed payment?
$0! We do not charge any missed or failed payment fees.
What happens if I need to change a payment date or amount?
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
I want to change the bank account where my repayments are taken from.
Unfortunately, you are unable to have repayments come out of a different bank account to which you receive your wage deposit.
I've changed bank accounts and need to update my bank info.
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.
Why did you take multiple payments on the one day?
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.
Do I have to pay back the amount in full?
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.
How long does it take to receive the funds?
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.
Can I request my wage advance on the weekend?
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.
What happens if I miss a payment?
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.
How does the request delay feature in the app work?
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.
What cards can I use to make a payment?
You can pay with any debit card (Visa or Mastercard). We do not accept payments made with Credit Cards.

Creating an account

What do I need to set up my account?
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.
What identification documents do you accept?
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.
How long does it take to set up an account?
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.
Why would I be declined?
  • 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


Why do you need my bank statement?
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.
Can MyPayNow see my bank account login details?
No, MyPayNow only has access to your bank statement, not your login details. Additionally, we do not store any of your login information.
Can I send my bank statements via email or fax?
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.
What do you see when I provide my bank account?
We receive a read only copy of your transactions, which our system uses to assess your eligibility for a wage advance.
My bank is not in the drop-down list, what can I do?
Unfortunately, if your bank is not listed, you won't be able to use our service.
I bank with Up bank or 86400, can I use your 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!
Why do I need to enter my bank details again?
To ensure your details and employment information are still correct, we will need an updated bank statement from time to time.
I have multiple bank accounts, which account should I connect?
You can only use one bank account with MyPayNow, and it must be the account where most of your wage is deposited.
Can I have my advance funds deposited into a different bank account?
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.
I have a joint bank account, can we both use MyPayNow?
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.

My account

How do I update my contact details?
Simply log into your MyPayNow account and head to “My Profile” in the side-menu.
I forgot my Username, what do I do?
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
I forgot my password, what do I do?
On the login page, select “forgot password” and follow the prompts to reset your password.
Why can't MyPayNow see my salary?
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!
I have lost my job, what do I do?
Please contact our friendly customer service team on customerservice@mypaynow.com.au so we can assist you.
Can I have multiple MyPayNow accounts?
No, we only allow one MyPayNow account per user.
Why is my account suspended?
Please contact customer support on customerservice@mypaynow.com.au for further information on your account suspension.
How can I disable my account?
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.


Does MyPayNow do a credit check?
No, there is no credit enquiry made on your file with a Credit Reporting Agency.
Does MyPayNow contact my employer?
Nope! We only deal with you, never your employer.
Where can I leave feedback?
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.
What happens if I am on annual leave…do I still have access to my account?
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!
What if I am in between jobs?
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.
How old do I have to be to use MyPayNow?
The minimum age limit for MyPayNow is 18 years old.
Why can't I ring someone at MyPayNow?
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.
How do I contact support?
Please use the HELP option in the side-menu of the app and submit a request. One of our friendly staff will respond ASAP.
Latest terms and conditions

Company info

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

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

Third party licensing
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  • BSD-3-Clause
  • MIT
  • Apache 2.0
  • CC-BY-3.0
  • CC BY-3.4
  • CC0 1.0
  • AFLv2.1
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