Security Login
There are two ways to log into pay.com.au. We recommend setting up both — they take minutes and mean you'll never get locked out.
Login methods
Passkey
Recommended
Log in using Face ID, Touch ID, or your device PIN — no password needed. Fastest and most secure option.
Username & password + MFA
Standard login
Log in with your email and password, then verify with an MFA method: passkey, authenticator app, or SMS code.
Set up both for a reliable fallback.
If SMS isn't available (overseas, poor signal, or filtered as spam), you'll still be able to log in with a passkey or authenticator app.
Not receiving your SMS code?
SMS verification codes are occasionally filtered as spam. Check the following based on your device:
Android Messages
- 1 Open the Messages app.
- 2 Tap the three-dot menu (top-right corner).
- 3 Select Spam & blocked.
- 4 Look for the verification message.
Google Messages
- 1 Open the Google Messages app.
- 2 Tap the three-dot menu (top-right corner).
- 3 Select Spam & blocked.
- 4 Check for any messages from pay.com.au.
Apple iOS
- 1 Open the Messages app and tap Filters.
- 2 Tap Spam.
- 3 Find and open the verification message.
Locked out?
If you can't receive an SMS code and have no other MFA method set up let us know - we can help you regain access.