Payments Processing times
Processing times depend on your payment method and when you authorise. To make sure your bills land on time, authorise payments at least 3 business days before the due date.
| Payment method | Processing time | Authorise before |
|---|---|---|
| Credit card | 1–2 business days | 5:45pm AEST/AEDT, Mon–Fri (Some payments require review before processing. Authorise before this time to meet your estimated remittance date) |
| Bank account — PayTo enabled | Same day | 2pm AEST/AEDT, Mon–Fri |
| Bank account — Standard processing | 2–3 business days | 7:15pm AEST/AEDT, Mon–Fri |
| PayID | Same day | 2pm AEST/AEDT, Mon–Fri (funds must also be transferred by 2pm) |
After-hours and public holiday payments
Payments submitted after cut-off times, on weekends, or on NSW/national public holidays will be processed on the next business day. Cut-off times above are Sydney/Melbourne time.
When will your payee receive the funds?
Once a payment is remitted, your payee will receive an automatic remittance advice email (if you've added an email to their payee profile). Funds are typically received between 2pm and 8pm AEST/AEDT on the day of remittance, but this can vary.
You can also check payment status anytime via Payment History. Learn more about remittance advice.
Estimated remittance date
The estimated remittance date is shown during the payment workflow and in the Updates tab once your payment is authorised. It's calculated based on your chosen payment method and the time of authorisation — keep in mind it's an estimate, not a guarantee.
To check the estimated date for an approved payment, go to Payments > Transactions and select the payment.
