Getting Started Pre-Verification
When you sign up for pay.com.au, you have the option to explore the platform before completing verification. This lets you get familiar with how everything works, set things up, and draft your first payment — all before you go through the verification process.
How it works
After you submit your ABN during sign-up, you'll see a screen with two options: Explore the platform now or Continue with verification. If you choose to explore first, you'll land on the dashboard straight away.
Your account stays in a pre-verification state until you complete verification. During this time, you can set up and prepare — but payments won't be sent until the account is verified.
What you can do in the pre-verification state
| Action | Available | Limit |
|---|---|---|
| Explore the dashboard and platform features | Yes | — |
| Add payment methods | Yes | Up to 5 |
| Add payees | Yes | Up to 5 |
| Draft payments | Yes | Up to 5 |
| Authorise and send payments | No | Requires verification |
The ATO is pre-loaded as a payee
To help you get started, we pre-load the Australian Taxation Office as a payee when you sign up. You'll find it ready to use in your payees list — no setup needed for BAS and tax payments.
Completing verification when you're ready
A verification prompt is always visible on your dashboard. You can start or resume the Verification flow at any time — your progress is saved, so you'll pick up exactly where you left off.
The Verification flow covers both your business and identity checks in a single sequence. You don't need to complete it all in one sitting.
Verification unlocks the full platform
Once verified and approved, everything you set up during the explore phase is retained — payment methods, payees, and drafted payments are all ready to go. You'll also unlock PayRewards Points on your first payment, access to the referral program, and a 30-day trial of our Premium plan (T&Cs apply, see section 6.2(a)).
Common questions
Why can't my payment go through?
Can I go back and verify if I chose to explore first?
Will I lose what I've set up if I don't verify straight away?
I'm not the business owner — can I still explore the platform?
Do I earn PayRewards Points before I verify?
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Need help?
If you have questions about your account or the verification process, contact our support team via live chat.