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POLi is an online payment option which facilitates a Pay Anyone internet banking payment from a customer's bank account to a merchant. This can be done via integration with your website checkout or via POLi Links - short URLs which can be emailed or embedded in an invoice.

POLi is a great alternative for people without credit cards, or for those who have them - but would prefer not to use them to shop online.

POLi is favoured by customers and merchants as it guides the customer through the payment process. The amount, reference information and banking details are pre-populated ensuring there are no reconciliation errors. When the payment is confirmed the merchant and customer both receive a completed payment notification.

• Choose to pay with Internet Banking wherever you see the POLi payment option

• Select your bank and click proceed with payment

• Log in directly to your bank

• Follow the prompts to complete the Pay Anyone transaction (may include selecting account or entering second factor information)

• Complete the payment and receive your receipt

There are no establishment fees, and Australian and NZ merchants pay no ongoing monthly fees. Our standard rate is 1% capped at $3, however we have alternative rate plans for Billers, Not for Profit organisations etc. For more information please contact us by clicking here.

No. We think this is one of the great features of POLi. No additional passwords to remember!

Merchants who intend to use POLi to receive business transactions do need to register. This can be done in Australia by clicking here and in New Zealand by contacting https://www.polipay.co.nz/

Australian Banks

• ANZ

• BOQ

• Bankwest

• Bendigo Bank

• Citibank

• Commonwealth Bank

• Great Southern Bank

• IMB Building Society

• ME Bank

• NAB

• Newcastle Permanent

• People's Choice Credit Union 

Merchants can receive payments from over 115 Australian banks and financial institutions by signing up for PayID.

New Zealand Banks

• ANZ

• ASB

• Bank of New Zealand

• Kiwibank

• TSB Bank

• Westpac

• The Co-Operative Bank

Yes, POLi places a lot of importance on the security of its software. We never capture sensitive information such as user name or password. We undertake regular security reviews to ensure that we meet all modern security standards.

The POLi Payments service is brought to you by POLi Payments Pty Ltd, an independent provider of innovative web-based transaction services and software.

POLi Payments is not a bank, and does not necessarily have relationships with banks accessible via POLi.

POLi Payments has an exemption from the Australian Securities and Investments Commission for the requirement to hold an AFSL.

POLi is supported on the following platforms:

Note – POLi may work on other Web Browsers/Operating Systems although they are not supported

Web Browsers:

• Microsoft Edge

• Google Chrome

• Firefox 12 or above

• Apple Safari 5 or above

• Operating Systems:

• Windows 10, Windows 8(or 8.1), Windows 7, Windows Vista, Windows Server 2003 & Windows Server 2008

• MAC OS

Technical support is free to all merchants and can be accessed by sending an email to implementation@polipayments.com for a support ticket.

Support hours are Monday to Friday, 8:30am-5:00pm AEST, excluding public holidays in Victoria

There are no establishment fees, and Australian and NZ merchants pay no ongoing monthly fees. Our standard rate is 1% capped at $3, however we have alternative rate plans for Billers, Not for Profit organisations etc. For more information please contact us by clicking here.

Plug ins are available for Magento, OpenCart, WooCommerce, Prestashop, ZenCart, OSCommerce, CoreCommerce. Click here for more information.

We can set a single log in to manage reporting over multiple websites. Please discuss this with our helpdesk team when you sign up.

Yes, not for profit organisations have access to our 0.30c per transaction rate schedule. There are no other establishment fees or ongoing monthly costs.

The POLi service operates with Australian and New Zealand banks. POLi can be accessed with these banks to make payments from anywhere in the world. Click here to request more information.

If you are calling from New Zealand, please get in touch with our New Zealand team here.

Yes we do. Applicable merchants are required to identity check consumers who are making virtual currency transactions.

Please contact us at risk@polipayments.com.au for more information

Some financial institutions like CBA may hold funds for up to 24 hours or more while they complete internal checks. POLi has no control or visibility when this happens for POLi. You may wish to consider waiting for 24 hours for the funds to settle. Otherwise, you may wish to contact your financial institution for more information

Some financial institutions may put a hold on the fund transfer or reverse transactions due to their internal processes including security or fraud checks. You may wish to consider factoring in any possibility for delayed settlements into your own risk profile before you provide services or products to the end consumer.

To help support your business with this issue, we can disable any financial institution from your Payer Bank List. We are also willing to block any payer accounts that you may have concerns about, from using our services.

As you may know, under our contract with you, we have flagged that a banking receipt cannot be conclusive proof that the funds have been processed by the financial institutions or deposited into your bank account. This is because there are factors outside of POLi’s control (which can include the actions of your financial institution) in relation to any payment transaction.

NPP
NPP refers to ‘The New Payments Platform, Australia’s new real-time payments system, allowing for the quick movement of payments between accounts at different financial institutions. It was built by the Australian financial services sector and the Reserve Bank of Australia.

PayID

PayID is an initiative from NPP, and is a simple service linked to your chosen bank account, making paying money to any account fast, safe and easy to use. Your PayID can be a phone number, email address or registered business number.

Note: The only type of PayID generated by POLi™ will resemble an email address (that is, no phone number or business number will be generated via POLi™).  This email address will be unique and generated per transaction.  An example of a PayID generated by POLi™ is “<merchantname1234>@polipayments.com.au”.

A person or business pays you by using their mobile or internet banking and choosing the option to make a payment to a PayID instead of a BSB and account number.  When they enter your PayID they will be shown the name you have chosen to display with your PayID, so they can check they are paying the right person before making the payment.

PayID was first made available for general public use in February 2018. As of 2022, more than 100 banks and credit unions all over the country have adopted the system

You can view the list of participating banks and credit unions on the NPP website.

Customers simply use the PayID generated at the point of payment and use it in your internet banking app or website to make payment to the relevant merchant supplying the goods or services.

Payments made via PayID will be typically received in near real-time. Payments can be received in real-time at any time, including weekends and public holidays. However, there are some payments which may take longer.

If you are a new merchant, visit our website to sign up.

If you are an existing POLi merchant please contact POLi at helpdesk@polipayments.com.au

Customers can make secure payments using PayID in just a few simple steps:

a. Once your customer has added your goods and services to the cart available on your webpage, they will go to the checkout page, and choose to pay using POLi™.  

b. Customer will copy the PayID as generated by POLi™ displayed on the POLi™ payment page using the "Copy PayID" button. 

Note: Each transaction will expire on an average of 15 minutes, refer to screen for expiry time of PayID. 

c.  Customer will click on the link to NPP provided by POLi™, which will provide links to internet/mobile banking of participating banks.  Customer will choose their financial institution, and log into their internet banking or mobile banking app.

d.  Customer will select their bank account.

e. Customer will select “pay anyone”.

f. Customer will select to pay to email address.

g. Customer will paste the PayID.

h. Add the purchase amount.

i. Click on pay now.

j. Go back to the merchant checkout page to view receipt of payment.

PayID can be used by as method of payment at a number of participating banks and credit unions.

For the most up to date list of participating banks, visit the NPP website.

Choosing the PayID feature may be very beneficial for your business.

• It’s fast: PayID payments happen instantly even between accounts at different banks. Some payments may be subject to security checks which could delay a payment.

• It’s simple: No need to remember banking details, customers can copy the unique PayID generated and use their banking app to complete the payment.

• Its secure: PayID works within the security of your internet or mobile banking of participating banks. Only you can authorise payments from your account to another person’s or business’s PayID.

• More coverage: 100+ Financial Institutions and Credit Unions across Australia, support PayID (NPP) payments which means greater coverage. It's likely that most of your customers will be able to make the payment using PayID.

• Additional payment option: PayID provides an additional option for customers to make payments.

PayID is only available for use in Australia. All POLi™ merchants who have NPP enabled bank accounts can use the feature by accepting the merchant terms and conditions that apply to POLi™ PayID.

For the most up to date list of participating banks, visit the NPP website. To find out if your account is NPP enabled, visit our website.

PayID works within the security of your internet or mobile banking of participating banks. Only you can authorise payments from your account to another person’s or business’s PayID.

Visit our website to sign up.

If you need more information please contact POLi at helpdesk@polipayments.com.au.

Yes, customers can still use the pay anyone option. PayID will be an additional payment option available to your customers. PayID is supported by more than 100 banks and credit unions across Australia; this means more customers can use this PayID option to pay for goods and services.

This is not possible, POLi™ PayID is an additional product. You will need the ‘pay anyone’ regardless to receive payments, PayID is an add on product.

No, customers cannot use the same PayID. POLi™ creates a unique PayID per transaction. Once payment is made, the PayID will be no longer active. Your customer will need to generate a new unique PayID for every transaction.

The PayID (email address) will contain the merchant's name. However, when the customer goes to the bank account to make the payment they will see the message as 'This PayID is registered to POLi™ payments’. Once the payment is made by the customer our backend systems will ensure the money is settled into the merchant account in near real-time.

For example, a customer is purchasing tickets via Jetstar’s website and paying via POLi™ PayID.  Once they log into their bank account via a web browser/app and selects ‘pay anyone’, they will paste the POLi™ PayID in the format of “<merchantname1234>@polipayments.com.au”. Once this is pasted, the name of the PayID holder will appear as “POLi™ Payments”.

No, you do not have to create a PayID. POLi™ system will generate a unique PayID per transaction, and your customers can use this PayID to make the purchase.

In most cases, you will not have to make any changes. However, some banks may hold funds for up to 24 hours or more while they complete internal checks. If you wish to receive payments via such banks (which include CBA), you will have to make minimum technical changes. Please refer to the Developer Guide for PayID for more information.

If you have more questions, please contact your account manager or POLi Payment at helpdesk@polipayments.com.au.

You need to have an NPP enabled account to receive payments via PayID. PayID is supported by more than 100 banks and credit unions across Australia; please view the list of NPP enabled banks at the NPP website.

If you have more questions, please contact your account manager or POLi Payment at helpdesk@polipayments.com.au.

No, you cannot accept recurring payments with the same PayID. POLi™ creates a unique PayID per transaction. Once the payment is made, the PayID will no longer be active. Your customer will need to generate a new unique PayID for every transaction.

No, you don’t. To start receiving fast PayID payments you will need to accept/sign the merchant agreement's terms, make any required technical integration changes and provide any additional documentation (if any applicable) as reasonably required by POLi™ and/or its service providers.

Transaction Unsuccessful: Appears as a result of payment not going through due to incorrect payment amount, checks completed by bank.

Transaction Cancelled: Occurs when the user cancels the transaction.

Transaction Failed: Occurs when a transaction experiences a non recoverable problem, such as a bank specific problem, a bank connection dropout, or a communication error. There also may be a problem with the POLi™ system at the time.

A refund refers to the merchant sending money back to the customer after the funds have been settled to the merchant. POLi™ does not currently facilitate refunds. If a customer requests a refund, they will need to contact the seller directly.

A return refers to funds which have not been settled to merchants and will occur in the following circumstances:

The customer has made an incorrect payment.

The customer has made a duplicate payment.

Payment was not settled to the merchant due to system errors.

If any of these situations arise, POLi™ aims to investigate and provide a resolution within a reasonable timeframe.

POLi™ PayID is an additional service and will be charged separately.

Please refer to the terms and conditions set out in your agreement with POLi™ for further information.