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How do I sign up for pay.com.au?

KYC KYB

Whether you're a business owner signing up directly, or a bookkeeper getting things moving on behalf of a client — here's how the account opening process works, what we need to verify, and how to manage access once the account is live.

Who can open an account?

pay.com.au accounts are available to Australian businesses with an active ABN. We currently support:

Sole Trader
Australian Company
Australian Trust
Australian Partnership
The account must be owned by a director or beneficial owner Regardless of who starts the application, the account must ultimately be held by a director or beneficial owner of the business. This is a regulatory requirement — we cannot activate an account without verifying the identity of the person responsible for it.

Starting the application — who does what

You don't have to be a director or owner to begin. A bookkeeper or team member can start the process and complete the business details. Here's how the two roles work together:

Account operator e.g. bookkeeper
 

Starts the application. Enters business details — industry, address, revenue, and payment types. Hands off to the account owner at the identity verification stage.

Account owner director or beneficial owner
 

Receives an invite mid-application. Completes identity verification and takes ownership of the account. Can then invite the operator to manage the account on their behalf.

Step-by-step signup flow

Head to the sign up page to get started. Have the business ABN ready before you begin.

  1. 1 Enter your email address and create a password (min. 10 characters, one uppercase, one lowercase, one number).
  2. 2 Enter a referral or promo code if you have one — otherwise leave the field blank and continue.
  3. 3 Review and agree to the Terms and Conditions and Privacy Policy.
  4. 4 Verify your Australian mobile number via one-time SMS code.
  5. 5 Enter your business details — industry, goods or services, website, revenue, address, and the types of payments you expect to make.
Handoff point — invite the account owner If you're completing this application on behalf of a business, this is where you'll send an invite to the director or beneficial owner. They'll receive an email to complete the next steps — identity verification and account ownership. You can continue to assist once the account is active.
  1. 6 Account owner completes identity verification — provides personal ID and any business-type specific documents (see below). This step must be completed by the director or beneficial owner.
  2. 7 Account owner verifies their email — required before payments can be authorised.
  3. 8 Account is activated — the owner can now invite team members, bookkeepers, or other operators to manage the account on their behalf.
Who completes each step?
○ Steps 1–5 and follow-up tasks: Anyone can complete
● Steps 6–8: Director or beneficial owner only

Managing the account after setup

Once the account is active, the account owner can invite others to manage it on their behalf — like a delegated authority. This is how bookkeepers, accountants, and finance team members get ongoing access.

How delegated access works The account owner sends an invite from within the platform. Invited users can manage payments, view history, and handle day-to-day tasks — without needing to be a director or owner themselves. The account owner remains responsible for the account at all times.

Identity and business documents required

What we need depends on your business structure. All document collection is part of our KYC and KYB obligations under the AML/CTF Act.

Sole Trader

  • Personal ID of the sole trader (e.g. driver's licence or passport)

Australian Company

  • Personal ID for all beneficial owners (UBOs)
  • Personal ID for any owner that is not an individual — the required documents for that business

Australian Trust

  • Signed and executed trust deed
  • Personal ID for any trustee who is an individual
  • For any trustee that is not an individual — the required documents for that business

Australian Partnership

  • Signed and executed partnership agreement
  • Personal ID for any partner who is an individual
  • For any partner that is not an individual — the required documents for that business

Common questions

Can I start the application if I'm not a director or owner?
Yes. You can begin the application and complete the business details on behalf of the business. At the identity verification stage, you'll be prompted to invite the director or beneficial owner to complete their part. The account cannot be activated without their involvement.
How does the account owner invite me to manage the account?
Once the account is active, the account owner can invite you directly from within the platform. You'll receive an email to accept access. From there, you can manage payments and day-to-day tasks on their behalf.
What if my ABN details are suppressed?
If your ABN details are suppressed on the ABR, we won't be able to verify your business and onboarding cannot proceed. You'll need to update your ABN details with the ATO before signing up.
Why isn't my account active yet?
Your account will not be activated until identity and business verification is complete. If additional documentation is required, our team will reach out by email. Payments can be created but not authorised until your email is also verified.
What if I don't have a business or ABN?
pay.com.au is exclusively for Australian businesses with an active ABN. Without a registered business, we're unable to support your payments at this time.
Still need help? If you're experiencing issues during onboarding or have questions about your verification status, contact our support team — we're here to help.

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