Pay by PayID
Business name
—
In your banking app, choose PayID, then ABN.
Your bank will show the business's name. Check it matches before you pay.
Steps for your bank
Step 1 of 5
What changed on 1 October
Visa, Mastercard and eftpos now ban surcharges in their own rules, with the Reserve Bank's backing. American Express has followed. Your payment provider enforces it.
You can't
- Add a surcharge to an eftpos, Visa or Mastercard payment.
- Call it a "service fee", or anything else, if only card payers pay it.
You can
- Build your card costs into your prices.
- Give a discount to customers who pay by PayID or cash.
Still fine
- Genuine booking fees.
- Weekend and public holiday rates, charged whichever way people pay.
Sources: ACCC, Card surcharges · RBA, review FAQs
Step 2 of 5
One full price. A discount for paying direct.
Your listed price is the full price, and it covers your card fee. Customers who pay by PayID or cash get that fee back as a discount. You take home about the same either way.
- List the full price everywhere: price list, website and booking page.
- Tell customers about the discount before they pay, at the counter and online.
- Show the full price at least as prominently as the discount price. The ACCC says the full price must not be less prominent than the discount.
- Keep the discount close to your card fee. A bigger discount costs you money on every direct payment.
- Registered for GST? Work in GST-inclusive prices.
General information, not legal or accounting advice. Before you change your prices, check your payment provider's terms. Source: ACCC, Card surcharges.
Step 3 of 5
Set up a PayID for your business
A PayID links something easy to remember to your business bank account. Customers pay it from their banking app, and the money usually lands in under a minute, any time of day. It takes about 10 minutes to set up.
Where to set it up
CommBank
- App
- Profile › PayID
- NetBank
- Payments › PayID
- Types
- Sole traders: mobile, email or ABN. Companies and other structures: ABN or ACN. An ABN or ACN needs CommBank's PayID registration form.
Westpac
- App
- Search "PayID", then PayID settings
- Online
- Service › Services › PayID › Register now
- Types
- ABN, or mobile for sole traders. No fees to make or receive PayID payments.
NAB
- App
- More › Settings › Payments › View and create PayIDs (Android: Menu instead of More)
- Online
- Profile & Settings › PayID Settings › Create PayID
- Types
- Email, mobile or ABN. You choose the name payers see from NAB's approved list.
ANZ
- Where
- ANZ Internet Banking for Business. An administrator sets it up.
- Types
- Mobile, email, ABN or ACN. Payers see the legal name linked to the PayID. ANZ says PayIDs don't attract any extra charge.
- Write down the name your bank shows.Customers see it before they pay. Put it on your counter card so they can match it.
- Turn on payment alerts.Switch on notifications in your banking app so you see the money arrive before the customer leaves.
- PayID never contacts you.Any message from "PayID" asking you to send money or "upgrade" your account to receive a payment is a scam.
One PayID links to one account. Sources: Australian Payments Plus, PayID FAQs · Westpac, PayID fees · bank guides linked above.
Step 4 of 5
Make your counter card
Fill in your details and download a card for your counter, window or invoices. It's free.
To save the card, press and hold it on a phone, or right-click it on a computer.
Step 5 of 5
Show customers how to pay
Point customers to the steps for their bank. Each one is checked against the bank's own help page, and banks do update their apps, so the labels may shift a little.
- Open the CommBank app and tap Pay at the bottom of the screen.
- Tap Pay someone, then + to add a new payee.
- For an ABN, ACN or email, choose PayID (Email/Other) and pick the type. For a mobile number, choose PayID (mobile).
- Enter the PayID and tap next. Check the name that appears, then tap OK.
- Enter the amount and a description, then confirm the payment.
CommBank says a first payment to a new PayID may be delayed for up to 24 hours for fraud checks. CommBank's guide
- Sign in to the Westpac app and go to the payments section.
- Add a new payee and choose PayID/mobile number.
- Enter the PayID. The name it's registered to appears on screen. Check it before you go on.
- Enter the amount and confirm the payment.
Westpac says a payment to a first-time payee may take longer while it's screened. Westpac's guide
- Log in to the NAB app and tap Pay.
- Choose the account to pay from, then Pay anyone.
- Tap Mobile/PayID and enter the PayID.
- Check the name that appears, then tap Continue.
- Enter the amount and a reference, tap Next, check the details, then tap Pay now.
NAB may show a fraud warning that you need to tick before you can pay. NAB's guide
- Log in to the ANZ App, tap Accounts, then Pay.
- Tap + to add a new payee.
- Choose Today, then follow the prompts to pay to a PayID.
- Check the PayID name shown before you confirm the payment.
ANZ may ask for Voice ID when you add a new payee. ANZ Plus works differently. ANZ's guide
- Open your banking app and go to Pay or Transfer.
- Add a new payee and choose PayID.
- Pick the type (ABN, email or mobile) and enter the PayID.
- Check the name that appears matches the business.
- Enter the amount and confirm the payment.
More than 100 banks and credit unions in Australia support PayID. Your bank's help page has its exact steps.
Steps checked 12 Oct 2026 against each bank's help page (linked). Source for safety tips: Australian Payments Plus, PayID FAQs.