Getting Started Payments
Yes and no — it depends on what you mean by "start." You can access the platform and begin setting up straight away. Authorising payments requires verification first, but you don't need to verify before you explore.
If you chose to explore the platform first
After submitting your ABN, you can go straight into the dashboard before completing verification. Here's what's available:
| Action | Available before verification? |
|---|---|
| Explore the dashboard | Yes |
| Add payment methods (up to 5) | Yes |
| Add payees (up to 5) | Yes |
| Draft payments (up to 5) | Yes |
| Authorise and send payments | No — requires verification |
Drafted payments won't send until you're verified
Any payments you draft before verifying are saved and ready to authorise — but nothing will be sent until your account is verified. This is not a rejection; it's how the pre-verification state works.
If you chose to verify straight away
If you went directly into the Verification flow after submitting your ABN, your account will be active once our team completes their review. Most accounts are activated within 1 business day of completing verification.
While you wait, you still have access to the dashboard — you can set up payment methods, payees, and draft payments in the meantime.
How to check your status
Log in to pay.com.au. If your application is still under review, you'll see a status banner on the home page. Once approved, the banner disappears and the option to authorise payments appears.