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What is Pay On Demand™ and how does it work?
What is Pay On Demand™ and how does it work?
Updated over a week ago

What it is Pay on Demand™

Pay On Demand™ is our unique service that lets you access your pay when you need it most. Think...a flat tyre, an unexpected bill, a life upgrade (like the new pair of shoes you’ve been putting off!) or a top-up for the weekend. We’re here to put you in control of your money with access to your wages.

And if you're on our App version, we also equip you with real-time spending insights and a budgeting tool so you can have the peace of mind knowing you’re fully in control!

How Beforepay works

You can access up to $2,000 of your wages through our Pay On Demand™ service using Beforepay. Here is how it works:

All you have to do is…

  1. Download the Beforepay app or go to our web version and set up your account by linking the bank account that your salary is paid into.

  2. Follow the prompts and verify your ID.

  3. Tap the Cash Out button to have your funds transferred into your bank account.

In most cases the funds will be available in your bank account instantly, however payments to financial institutions that do not currently support New Payments Platforms (NPP), or when NPP is unavailable at that time, may take up to 2 business days.

After setting up your account, every Cash Out is as simple as a tap of a button.

How to make a repayment

We’re all about making your life easier, so we have automatic repayments set up to deduct the amount you Cashed Out + a 5% transaction fee the next time you’re paid. This is a fixed, flat fee. We do not charge any interest or other ongoing fees.

Your repayment schedule is based on the option you select when you Cash Out.

We also offer flexible repayment options to suit you, with the option to ‘Repay early’ or ‘Delay repayment’ available. (Note: You can only delay your repayments once per Cash Out).

Please note it can take up to 2 business days for your bank to settle your repayment with our system.

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