International Payments
Common questions about making international payments through pay.com.au, powered by our partnership with Send FX Limited.
How do your FX rates compare to Airwallex, OFX, and Wise?
All foreign exchange rates displayed on the platform are offered by and displayed on behalf of our foreign exchange provider, Send. You can see an indicative exchange rate currently offered by Send on our International Payments page.
How long do international payments take to process?
The time depends on the currency, your payment method, the day and time you authorise, and public holidays. We show an estimated remittance date range when you create the payment and in the Updates tab. Payments in some currencies, for example USD and NZD, are often quicker. Payments in other currencies, for example PHP, THB and INR, often take longer. The date range is an estimate, not a guarantee. For a time-sensitive payment, check the date range before you authorise. See how we work out your date.
Why does my international payment show a later date than before?
We now work out your date from your payment's currency, method, and timing. We no longer use one fixed estimate for all payments. Your payment is not slower. The date is more specific.
International payments made before 28 October 2026 and still in processing keep their original estimated date. The date range applies to payments made after 28 October 2026.
My payment arrived before the estimated date. Is something wrong?
No. The date range is an estimate. A payment can arrive before the range starts. This does not mean anything is wrong.
My payment has not arrived by the end of the date range. What do I do?
Open the payment in Outgoing transactions and copy the UETR from Payment details. Use it to track the payment on a public UETR tracking tool. If you need more help, contact support. Learn how to track a payment with a UETR.
What is a UETR and where do I find it?
A UETR is a code that identifies your international payment. It shows in Payments > Outgoing transactions > Details > Payment details after we remit the payment. We also include it in the remittance email to your payee.
If you made the payment before 28 October 2026 and we have not yet remitted it, the UETR shows after we remit it. We do not add a UETR to payments we remitted before that date.
What are the fees for international payments?
On top of the currency exchange rate, there are up to two additional fee components:
| Fee | Amount | How it's charged |
|---|---|---|
| Platform Service fee | Depends on payment method | Applied as with domestic payments and depends if a VISA or Mastercard is used |
| PayRewards package fee | 1% or 1.8% ex GST | Only if you elect to earn PayRewards Points |
Are there minimum or maximum transaction amounts?
The minimum payment amount is AUD $10. Large-value transfers are subject to approval based on a review of required documentation — see International payments — source of funds for details.
What payment methods are accepted?
You can make international payments using:
Not supported for international payments
AMEX and PayID cannot be used for international payments.
Can I use American Express or PayID for international payments?
No. International payments must be funded via Visa, Mastercard, or bank transfer (including PayTo). American Express and PayID are not accepted as funding sources for international payments.
Can I lock in a forward rate or set currency alerts?
No. You're offered a live exchange rate by Send at the time of payment. That rate is held for 2.5 minutes due to currency market fluctuations — forward rates and hedging are not available through pay.com.au.
Can I pay multiple international suppliers in one transaction?
No. Only single international payments are supported at this stage — batch payments to multiple international suppliers are not available.
Where can I find the Product Disclosure Statement?
International payments are provided by Send FX. You can view their PDS here.