Businesses using FlipPay's payment & finance services can send their customers (you) "payment requests" via email and SMS, either from the FlipPay platform or directly from their systems.
Payment requests will state:
An amount of money being requested from you, to pay to the business
Payment options relevant to the transaction - card payments, EFT/PayID, or other finance options (typically invoice factoring)
The sender (name & contact details of a person and/or their business - if they've chosen to add these)
Any supporting information or documents
Follow the link provided to view a secure webpage, review your payment options and proceed to make the payment to the business (via FlipPay).
Is the link legit?
Links from FlipPay look like this:
They are always secured via "https"
They always start with "app.flippay.com.au/payments"
They only contain a single set of digits/numbers afterwards (this is a unique ID for your payment request)
FlipPay always presents the full link in emails and SMS - it's not hidden behind a button or other icon.
Check the links on any email/SMS you receive and make sure you're confident it's legit before proceeding.
If you're not sure about an email or SMS you're received from FlipPay, forward it to [email protected] or call us on 1300 354 766 to confirm the details you've received.
What payment options are available to me?
Depending on the nature of the transaction, different options will be available to you - typically these will include card payments, EFT/PayID and a finance option.
Card payments
Pay by credit/debit card for a small fee - the card surcharge rate, and the final amount due, will be displayed on the payment page for you to accept before proceeding.
EFT/PayID
Pay via electronic funds transfer (or bank transfer) using the BSB/account number provided, or use the PayID for real-time payments via Osko.
Most banks in Australia support these options, and FlipPay recommends PayID - you can verify the details provided easily in within your online banking portal, and you'll see the payment confirmed in real-time (EFT payments can sometimes take a day or so to be received, depending on your bank).
Paying via EFT/PayID is a free service to you.
FlipPay operates secure accounts that support EFT and PayID for businesses - any funds sent to these accounts is securely routed to the business directly.
Finance options
Depending on the transaction, you may be offered a finance product via FlipPay to help make your payment. The payment page will guide you through this process, which typically includes:
Verify data provided by the business (e.g. information about your invoice)
Update/provide data required by FlipPay (e.g. a copy of a document)
Verify your mobile number and email address
Verify your identity
Provide a payment method (e.g. card or bank account to direct debit) to enable repayments
Accepting terms & conditions
What happens after I've made a payment?
Card payments
FlipPay will confirm the transaction is successful and immediately notify the business who sent you the request
FlipPay will receive the funds within 24 hours and securely transfer to the business
EFT/PayID
FlipPay will receive the funds as quickly as your bank allows (within minutes for PayID, or could be 1-2 days if EFT) match to your payment request and immediately notify the business
FlipPay will securely transfer your funds to the business
Finance options (typically)
FlipPay will confirm the option is approved and immediately notify the business
FlipPay will securely transfer your funds to the business
FlipPay will collect repayment per the terms of your agreement
You can view/manage your agreement with FlipPay via the secure link provided to you when your agreement is approved