IMPORTANT: Your PayID details must contain all the correct and required information, including the unique reference number you are provided. Payments with incorrect information will be automatically declined.

Please do not make PayID payments if your payment is already pending in the app.

In addition, only make PayID payments 2 days after your Cash Out.

When can I use PayID?

You can only use PayID to make a repayment 2 days after you Cash Out. You can also use PayID if:

  • You have received an email from us with PayID information, or

  • If you can see PayID information in the app.

How to make a payment with PayID/Osko:

Note: You do not need to create a PayID to send a payment via PayID

  1. Open your mobile banking app and select Pay Anyone / Pay Someone (note your bank might not mention PayID or Osko)

  2. Choose email address as the payment method

  3. Enter our PayID email (from your Notice Email or app)

  4. Enter the total outstanding amount owing

  5. Enter your reference number in both the Description and Reference fields

  6. Confirm all details are correct and submit the payment

IMPORTANT: Payments with incorrect information will be automatically declined.

Are there charges or fees to use PayID?

Beforepay does not charge you any transaction fees when making a repayment using PayID.

Will my repayment be made instantly?

Payments using PayID are made instantly. Some payments may require a security check, which could delay the payment. If your payment is delayed, please check with your bank for more details.

We will notify you as soon as the repayment has been processed.

Do I need my own PayID account to use PayID?

You don't need a PayID account to send a PayID payment. All banks currently supported by Beforepay are using the New Payments Platform (NPP), which means you can easily send a payment with PayID/Osko.

Here is a list of all participating banks: https://nppa.com.au/find-an-institution/

Each bank has a slightly different process for paying to a PayID email. See below for instructions specific to each of the following banks:

For all other banks, please visit the FAQ pages on their websites and search for "PayID".

CommBank

Step 1: Log into your CommBank app and click “Pay” from the home screen

Step 2: Click “Pay someone”

Step 3: Select the + sign in the top right-hand side corner. From the menu of options, click “more” and “Email address”

Step 4: Enter “payments@beforepay.com.au” in the email field and click “Next”. A pop-up will appear confirming the email address is registered to Beforepay.

Step 5: Select the account you would like to pay from, enter the total amount owing and enter your reference number in both the 'Reference' and 'Description' fields

Important: Payments with incorrect or missing reference numbers will be automatically rejected. Please review and confirm the details are correct before submitting.

NAB

Step 1: Log into your NAB app select “Transfer & pay” from the main menu

Step 2: Select the account you would like to pay from

Step 3: Click “Pay anyone” and select “Email address” from the options menu

Step 4: Enter “payments@beforepay.com.au” in the email address field. NAB will confirm who owns the PayID and show the registered name.

Step 5: Enter the total amount owing, then enter your reference number in both the 'Reference' and 'Description' fields.

Important: Payments with incorrect or missing reference numbers will be automatically rejected. Please review and confirm the details are correct before submitting.

Westpac

Step 1

Log into your Westpac app and click the Pay icon from the home screen.

Step 2

Click “Pay someone”

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Step 3

Click “Add” from the top right-hand side corner. From the menu of options, click “Other PayID” and “Email”

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Step 4

Enter “payments@beforepay.com.au” in the email field and click “Next”. Confirm the PayID name is “Beforepay”.

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Step 5

Select the account you would like to pay from

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Step 6

  1. Enter the total amount owing

  2. Enter your reference number in the 'Reference' field

Important: Payments with incorrect or missing reference numbers will be automatically rejected. Please review and confirm the details are correct before submitting

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ANZ

Step 1: Log into your ANZ banking app and select “Pay” from the main menu, then click the + in the top right-hand corner to add a new Recipient.

Step 2: Select the “Email” option to make a payment

Step 3: Enter “payments@beforepay.com.au” in the email field

Step 4: Enter the total amount owing, then enter your personal reference number in the 'Reference' field. You can leave the 'message' field blank.

Important: Payments with incorrect or missing reference numbers will be automatically rejected. Please review and confirm the details are correct before submitting.

St George

Step 1

Log into your St George app and click the Pay icon from the home screen.

Step 2

  1. Select the account you would like to pay from.

  2. Click “PayID” from the pay to section.

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Step 3

  1. Select “Email Address” from the PayID Type

  2. Enter “payments@beforepay.com.au” and click “Continue” to review the details.



Step 4

  1. Enter the total amount owing

  2. Enter your reference number in both the 'Reference' and 'Description' fields

Important: Payments with incorrect or missing reference numbers will be automatically rejected. Please review and confirm the details are correct before submitting.

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ING Direct

Step 1: Log into your ING app select “Pay anyone” from the main menu and click the add (+) icon to select a recipient.

Step 2: Click the new recipient icon in the top right-hand corner, then select PayID and choose Email as the PayID type.

Step 3: Enter “payments@beforepay.com.au” in the PayID field and click “Verify”. Please review the details and confirm they are correct.

Step 4: Enter the total amount owing and enter your reference number in both the 'Reference' and 'Description' fields.

Important: Payments with incorrect or missing reference numbers will be automatically rejected. Please review and confirm the details are correct before submitting.

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