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?
International payments are generally processed within 2 business days from the date you submit the payment. For some bank account payments — depending on when funds are received — processing may take 3 business days. If you're making a time-sensitive payment, confirm the timeline with your account manager before proceeding.
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.