FAQs

Direct debits generally take two 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 at customerservice@mypaynow.com.au

You may be able to change the date by utilising the split or delay functions in your account. If you need to make any other changes, you can contact our friendly customer support team at customerservice@mypaynow.com.au.

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

If you're experiencing financial difficulty, please contact us as soon as possible so we can help you with your options.

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

Your approval limit is based on your identified income. 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 split or delay your repayment, simply log in to the MyPayNow app, click the side menu and select (as appropriate) “Request a Split” or “Request Delay”.
If you need further assistance, please contact our friendly customer support team at customerservice@mypaynow.com.au.

MyPayNow is a wage advance service that allows you to access up to ...% of your wage (max $2,000), early! We deal directly with you, instead of your employer! We pride ourselves on being fast, efficient and available 24/7. Once you're approved and you request funds, you'll usually receive them within seconds.

_{Note: Once approved, payments are sent via Osko on Australia's New Payments Platform (NPP). Availability depends on the receiving bank. If your bank doesn't support Osko, or Osko is temporarily unavailable, your payment may be delayed.}

We use multiple layers of protection to keep your information safe, such as encryption when data is stored and sent, real-time threat protection, multi-factor authentication for staff, continuous logging and monitoring, secure backups, and more.

We only charge a 5% fee on your advance. Plus, 24% interest per annum on your outstanding balance (capped at 62 days).

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

MyPayNow is designed to provide you with access to a portion of your wage so you can handle unexpected expenses, whilst still remaining within your means for repayment.

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

Your advance limit is determined as a quarter of your net pay, up to a maximum of $2,000!

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 meet our approval criteria.

How much can I get and how often?

Once approved, you can choose to advance your full limit, which is set at ...% of your net pay (max $2,000), or choose one of three lower preset amounts.

Once you've taken your advance, you cannot request a further advance until you've repaid your balance in full.

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.

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

A direct debit is automatically scheduled to come out of your nominated bank account on your scheduled repayment date. 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.

You may be able to change the date by utilising the split and / or delay functions in your account. If you need to make any other changes, please contact our friendly customer support team at customerservice@mypaynow.com.au.

If you're experiencing financial difficulty, please contact us as soon as possible so we can help you with your options.

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

Provided you don't have an outstanding balance, login to your MyPayNow account and follow the steps to 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.

MyPayNow is designed to be repaid in full on or around your next scheduled pay day. However, we understand that circumstances can change, and life happens. That is why we provide an option in some circumstances to split your repayment across two pay cycles or delay your repayment through your MyPayNow account.

If you need to make any other changes, please contact our customer support team at customerservice@mypaynow.com.au and they will be happy to help.

If you're experiencing financial difficulty, please contact us as soon as possible so we can help you with your options.

MyPayNow will send your advance via Osko on Australia's New Payments Platform (NPP), so you'll usually receive the funds within seconds, 24/7.

_{Note: Availability depends on the receiving bank. If your bank doesn't support Osko, or Osko is temporarily unavailable, your payment may be delayed.}

Yes! You can request funds 24/7. We send payments via Osko (NPP), so you'll usually receive the funds within seconds, even on weekends.

_{Note: Availability depends on the receiving bank. If your bank doesn't support Osko, or Osko is temporarily unavailable, your payment may be delayed.}

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 repayment date.

By requesting a delay, we'll put your direct debit on hold until your next pay cycle. By requesting a split, we'll divide your balance into two equal repayments over your next two pay cycles.

If you're paid weekly or fortnightly, you can use each feature once per advance. If you're paid monthly, you can either delay or split once per advance.

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 and be assessed for an advance. Once approved and funds are requested, we send your funds in seconds.

• 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 use recent bank transaction information to confirm you're employed and paid regularly, and to assess whether our product is suitable for you. We may retrieve updated information from time to time for reasons like verification and account servicing.

If you don't provide this information, we can't proceed with your application.

As part of the application process, you will be redirected to our secure third-party provider and asked to enter your bank account login details.

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

When you connect your online banking through our secure third-party provider, we get a read-only copy of your transactions (bank statement data) for up to 90 days, covering all accounts linked to that bank login. We don't see or store your online banking password, and we can't move money from your account.

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.

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!

You can only use one bank account with MyPayNow, and it must be the account where 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 at 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 at customerservice@mypaynow.com.au

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

Our system uses the information you enter during signup when assessing 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 at customerservice@mypaynow.com.au so we can assist you.

No, we only allow one MyPayNow account per user.

Please contact customer support at 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 at 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.

MyPayNow is only available for customers that are receiving regular wages. If you are in between jobs and wish to take an advance, please apply once you've started your new role and are being paid again.

If you have an outstanding balance and need assistance during this period, please reach out to our friendly customer support team at customerservice@mypaynow.com.au to discuss options.

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. You can also email us at customerservice@mypaynow.com.au.

Our postal address is ....

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In summary, 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!

Full terms and conditions can be found here: https://mypaynow.com.au/blog/pages/raf-tcs/

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! You'll receive your $50 once your friend is approved and takes a wage advance.