Frequently Asked Questions

Paying with QuickaPay

What is QuickaPay?

QuickaPay is a buy now, pay later product designed to make goods, services & rentals more affordable and more accessible without the need for a credit check.

We work across a number of sectors and businesses including training, rentals, services and trades as we believe in offering Buy Now, Pay Later responsibly helps business and customers alike.

How much do you charge?

QuickaPay is free for individuals - Fees for the platform are paid for by the Merchant.

This keeps the final amount the same regardless of how you choose to pay - whether instalments or debit/credit card.

QuickaPay doesn't charge setup fees or account fees unlike some other providers.

How do the "Buy Now, Pay Later" Installment plans work?

Our instalment plans are 10 weeks long and paid back in 6 equal fortnightly instalments.

For example, if you signed up to pay a $600 invoice, you would pay $100 today followed by five additional fortnightly repayments.

Who can use QuickaPay?

To sign up for QuickaPay you must be over 18 years of age, an Australian Citizen or Permanent Resident, and have a minimum monthly income of $1,500 per month or more.

This is verified during the sign up process which takes less than five minutes to complete - you will need to link a bank account to use the "buy now, pay later" part.

Do you run credit checks?

No. QuickaPay does not perform any credit checks when you sign up or when you use the platform so your credit score will not be impacted.

We believe in responsible lending and instead assess your affordability and ability to pay based on recent bank transactions, giving a fairer perspective on your ability to make payments.

How will I know if I get approved?

Our approval process is instantaneous and our system will alert you in real time when you sign up to pay using Buy Now, Pay Later.

What happens if I don't get approved?

In the event that you are not approved for instalments you can still make payment in full through any major credit or debit card at no extra cost.

We do have an industry leading ~80% approval rate so as long as you have consistent income and can afford the repayments you most likely will be approved.

What can I pay for with QuickaPay?

QuickaPay works across many industries with a focus on services & rentals.

If you want to use QuickaPay with a merchant who doesn't currently offer us, you can send the business referral to and we'll get in touch with them.

If they sign up and transact on the platform, we will pay you $100.

What happens if I miss a payment?

In the event you miss an instalment payment, there is a late fee charge of $10 per missed payment. For example, if you miss a $100 instalment payment, you will be charged $110 when we re-attempt to process the payment the following day.

If the second payment attempt fails, another $10 late fee is applicable ($120 instalment payment) along with a $20 collection fee. All fees are capped at $240 AUD irrespective of the invoice amount.

We are not in the business of making money off of late payments so if you are going to miss a payment get in touch and we will work with you to get back on track.

QuickaPay for Merchants

How can QuickaPay help my business?

QuickaPay is an online payments platform designed to help you win more business, and get paid Quicka with our bundled payment solution of credit cards, and buy now, pay later instalments.

Industry research has shown that Buy Now, Pay Later can encourage more customers to complete their transactions and our bundled solution helps reduce Checkout Fatigue.

What type of businesses do you work with?

We work with small businesses across all industries including tradies, consultants, freelancers, health professionals, photographers, education and more.

Our only hard requirements are you must hold an Active ABN, be physically present in Australia, and not operate within the adult entertainment, gambling, cryptocurrency, or mining & resources industries.

How much does it cost?

Using our platform is totally free to use and you will never receive a bill from us.

If you choose to offer customers online payment options, we charge a 1.75% + $.35 transaction fee on domestic card payments, 2.9% + $.35 in international card payments (incl. American Express), and 5% on instalments.

This is paid by you, the merchant, and your customer only ever sees one amount increasing your likelihood of sale.

We do not charge setup fees or account management fees to neither you nor your customers.

How do the Buy Now, Pay Later Instalments work?

Our buy now, pay later instalments offering ranges from $200 - $20,000 AUD and terms of 10 weeks. Repayments are made in 6 fortnightly repayments with the first instalment paid upfront (The first one is paid upfront with five additional fortnightly payments).

As a merchant you can offer buy now, pay later instalments to consumers and businesses alike and with instant payment notifications, you know who has paid and when making it easy to manage cashflow.

Do you work with international businesses?

Unfortunately not at this stage however we are looking to change this in the near future. Join our waitlist to be the first to know or drop us an email on if you want to know more about our plans.

Are there any payment limits?

No, there are no payment limits on credit / debit card or bank transfers. Buy now, pay later instalment payments are capped at $20,000 AUD but we will look to increase this down the track along with longer payment terms.

How can I update my business or bank details?

To change your business or bank details, please contact us at and our team will be happy to assist.

You can edit certain details via the Settings tab but some details need to be validated by our fraud team.

How does this work for my customers?

If your customer pays via an instalment plan, they will go through a short one-time sign up process and if approved be prompted to confirm payment.

Our decision making process is instant and we have an 85% approval rate so if they have regular cashflow to support the instalments it's most likely they will get approved. We don't use existing credit bureaus  so their credit won't be impacted by signing up.

Why do I have to link my bank account for online payments?

Linking your nominated business bank account is a one-time process and part of our AML requirements that helps us to verify you are who you say you are and ensure we deposit funds into the right account.

For more info, please feel free to contact us at

How will my customers receive my invoices?

Your customers will receive an SMS and email with a link to the invoice and options to pay online via bank transfer, credit or debit card, or through a buy now, pay later instalment plan.

The choice is theirs and they are only charged the quoted price.

What does the status "awaiting terms" mean for my invoice?

The status "awaiting terms" means your customer has received your invoice but hasn't made a payment.

What does the status "failed to collect" mean for my invoice?

The status "Failed to Collect" means your customer did not elect to pay with an  instalment plan and hasn't made a payment through card or bank transfer.

If they have paid you direct, you can mark them as "Paid External" from the invoicing dashboard.

What happens if the customer doesn't pay you back?

When your customer pays using a buy now, pay later instalment plan and confirms the payment, QuickaPay assumes all risk of non-repayment from the first instalment onwards.

You will never be asked to pay us back if your customer fails to repay us.

When will I get paid?

Our standard payout time is 3 business day from when the customers makes a payment.

For example, if a customer makes a payment on Monday before 12pm, funds will be disbursed to your account on Wednesday.

It can take up to 24 hours for funds to appear in your account and this is something that we don't have any control over as it varies bank to bank.

Note: On your first payment, we do hold funds for 5 business days prior to disbursing them to your account. This is a one-time process and helps mitigate potential fraud or other issues.

How do I refund a customer?

Refunds can be requested by the merchant through the QuickaPay dashboard or by emailing along with the refund details.

In the event a customer wants a refund, simply request the amount to refund and we will refund the customer directly for the amount instructed and either direct debit your nominated account for the difference or deduct it from a pending payout.

For example, if your customer has paid a $100 on a $600 invoice, we would refund the customer $100 and either direct debit the merchant the payout amount plus non-refundable QuickaPay fee ($570 payout plus $30 QuickaPay fee) at the same time the refund is processed.

Please allow for up to 7 business days for refunds to be processed.

How does Fraud and Chargebacks work?

Merchants are responsible for any chargebacks and or fraud resulting from credit or debit card payments, however, we do have a number of industry leading protective measures in place to help mitigate against this.

Instalment plans are excluded from this as we do our own DD and assume the risk.

Are your fees inclusive of GST?

Yes, all QuickaPay transaction fees are inclusive of GST.

How can I add QuickaPay to my website or sales proposal?

Yes, using our payment links you can add online payments to any website, sales proposal, or social post by creating a link and adding a button that says pay.

You can also use our REST API for a deeper integration or we have integrations for WooCommerce (with Shopify coming soon).
For more technical help get in touch by contacting us at

General Account Questions

How do I reset my password?

To reset your password simply click log-in to your QuickaPay account and hit Forgot Password.

A link with instructions to reset your password will be sent to the email address you registered with.

How do I update my banking information?

To update your banking information, please email us at and a member of our team will be happy to assist

How do I cancel my account?

To cancel your QuickaPay account, email us at and our team will be happy to assist.

Note: You can't close your QuickaPay account if you have an active instalment plan with us. Any balance will need to be paid prior to us closing your account.

How do refunds work?

The delivery and quality of the goods or services you buy are always the responsibility of the merchant you are purchasing from.

That means if you would like a refund you will need to contact the merchant directly and request a refund from them as only the merchant can approve your request.

Your QuickaPay instalment plan will continue as is untll the merchant submits your request. If the merchant does approve your refund, QuickaPay will refund the amount instructed by the merchant back to your nominated account and cancel and future instalments.

How will my data be protected?

We will hold your personal information pursuant to the Privacy Act, in a manner that reasonably protects it from misuse and loss and from authorised access, modification or disclosure.

We will hold your personal information in paper or other physical form but it is usually held in electronic form on our systems.

We use a range of physical and electronic security measures, for example, access restrictions to protect the personal information stored in our database.

While we may use third party service providers to maintain some of our data systems and provide related services, these entities are only authorised to use your personal information where it is necessary to provide these types of services to us.

We require any person that has access to personal information that we have collected to act in a manner consistent with our obligations under the Privacy Act and with our general privacy standards.

Our employees are also required to keep your personal information confidential.

How do you ensure my information is secure?

All online payments are encrypted with AES-256 to ensure that you are protected from fraud.

Our platform has met industry criteria for security practices and we ensure that all communications are performed over HTTPS both to you, our merchants and our internal systems.

We perform regular checks as to the security of our platform and pride ourselves in being an industry leader.