Australian payment collection

Get paid faster. Every rail. One API.

Squarepay is an Australian payments platform for collecting money: Direct Debit, PayTo and PayID behind one API, plus Confirmation of Payee to verify an account before money moves.

Start building Explore services
3
ways to get paid, one API
24/7
real-time NPP settlement
AU
built for Australian rails

Ways to get paid

Three ways your customers pay you

Recurring debits, real-time mandates and instant inbound transfers: the collection rails Australian businesses actually use, with webhooks and a full sandbox on every one.

Direct Debit

BECS / Direct Entry

Pull payments from customer bank accounts over the BECS Direct Entry rails. Suits subscriptions, instalments and invoicing.

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PayTo

NPP / PayTo

Set up digital PayTo agreements and pull real-time payments with the customer's bank-authorised mandate. The modern successor to direct debit.

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PayID

NPP / PayID

Issue and manage PayIDs so customers can pay you instantly over the NPP using an email or phone identifier instead of a BSB and account number.

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Fraud prevention

Money should only move when the details check out

Australians lose hundreds of millions a year to scams and misdirected payments. Confirmation of Payee checks an account name against the BSB and account number before a payment leaves. A platform trusted with bank details should do more than move money quickly.

Confirmation of Payee

Account verification

Check that an account name matches the BSB and account number before money moves, catching mistaken payments and authorised-push-payment scams.

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Why it matters

Better collection is better cash flow

The gap between issuing an invoice and banking the money is working capital you don't have. Squarepay is built to close it.

Money lands sooner

Pull funds the day they fall due over PayTo and the NPP, or run them in batch over Direct Entry. No waiting on a customer to remember to pay an invoice.

Fewer failed collections

PayTo mandates are authorised by the customer's own bank, so they fail far less often than a debit. When one does bounce, a mapped dishonour code tells you whether to retry the same day or stop.

Reconciliation that keeps up

Every payment emits a signed webhook as it changes state, so your ledger reflects what the bank actually did instead of what you hoped it would.

Developer-first

Built for the people who build

A single, consistent REST API across every collection rail. Predictable webhooks, mapped dishonour codes, and a sandbox that simulates real-world outcomes, so you ship with confidence.

Read the docs Why developers choose us → 
# Create a real-time PayTo payment
curl https://api.squarepay.com.au/v2/payto/payments \
  -H "Authorization: Bearer $SQUAREPAY_KEY" \
  -d agreement_id=agr_12345 \
  -d amount=4200 \
  -d description="Invoice #1007"

Ready to get paid faster?

Explore the API, spin up a sandbox, and start collecting on Squarepay today.

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