Getting Started KYC KYB

Before you can authorise payments with pay.com.au, we need to verify your business and identity. This is a regulatory requirement under Australia's AML/CTF Act — it keeps the platform safe for everyone. This guide walks you through every step so there are no surprises.

You can start the Verification flow at any time from your dashboard, whether you've been exploring the platform first or are signing up for the first time. Your progress is saved — you can pause and resume whenever it suits you.

What to have ready before you start

• Active ABN — your Australian Business Number, registered and matching your legal details
• Photo ID — a current passport or driver's licence for each person completing identity verification
• Business details — your industry, expected payment volumes, and the nature of who you pay
• Key people — directors, partners, or trustees who own 25% or more of the business (they'll need to verify their identity too)
• Supporting documents (if applicable) — trust deed, partnership agreement, or ASIC extract depending on your entity type
• Access to your email and mobile — you'll receive a one-time code to verify both during sign-up

The Verification process, step by step

• 1 

  Tell us about your business

  Enter your ABN — we'll automatically pull your registered business name and entity type from the Australian Business Register (ABR). You'll then confirm or complete details including entity type, industry, expected monthly payment volumes, and your website or online presence.

• 2 

  Confirm who owns and controls the business

  Depending on your entity type, we'll ask about the key people associated with your business. For companies, we pre-fill director and shareholder details from ASIC. Anyone who owns 25% or more of the business will need to complete their own identity check.

• 3 

  Verify your identity

  Each required person completes a short identity check: upload a photo of a valid passport or driver's licence, take a short selfie or liveness video, and confirm your residential address and date of birth. This is handled securely and takes most people under 2 minutes.

• 4 

  Upload any required documents

  Some business types require additional documents to verify ownership or structure — for example, a trust deed for trusts or a partnership agreement for partnerships. We'll tell you exactly what's needed. If nothing extra is required, you'll skip this step entirely.

• 5 

  Our team reviews your application

  Once submitted, our verification team reviews your information. Many accounts are approved automatically. If yours needs a manual review, we aim to complete this within 1–3 business days. You may receive an email asking for additional information — respond promptly to avoid delays.

• 6 

  You're verified — welcome aboard

  Once approved, you'll receive a confirmation email and SMS, and your account will be fully activated. Everything you set up before verifying — payment methods, payees, and drafted payments — is retained and ready to go.

Applying on behalf of a business owner?

Someone other than the business owner can start the application and complete the business details. However, the director or beneficial owner must complete identity verification themselves. At that step, you'll be prompted to invite them — they'll receive an email to finish the process.

Frequently asked questions