Help Centre
Welcome to the Wagepay Help Centre. Whether you’re looking for information on applying for your first advance, managing repayments, or updating your account, we’ve got you covered.
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Frequently Asked Questions
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Wagepay is a game-changing new service that was designed to revolutionise the way everyday Aussies access and manage their pay, by giving them real-time access to their wages and other add-on services, without the requirement to involve their employer.
In addition to our wage advance service, Wagepay also offers other add-on services for qualified customers, including:
- Bank scoring, with tips for improving your creditworthiness.
- Access to your Equifax credit report, free of charge.
- Tiered pricing for wage advances for even lower rates.
- A loyalty program.
To access our services, please download our app from the Apple or Google Play stores. Our app is called “Wagepay: Access up to 3,000”.
If you only have a computer, you can also use our web portal on our website. Wagepay is 100% online, so we don’t have any physical stores.
To create an account, you will need the following information:
- Your personal details, such as name, date of birth, and address.
- Your mobile number.
- Your email address.
- Your basic income and expense information.
Before you can request your first wage advance, you will also need to connect your bank feed.
Wagepay has three different account tiers, allowing you to unlock additional features. At our discretion, when you have demonstrated good financial management skills and maintained an excellent repayment history with us, we may upgrade your account tier. This will gain you access to features like a higher limit, reduced fees, and free access to your credit score!
Please note this is not a permanent upgrade, so please continue the good work and excellent repayment history.
Yes. Wagepay is a secure service that follows the same security and encryption standards as banks and ensures that security best practices are always being followed.
Transactions are protected with 256-bit Secure Socket Layer encryption. Our website is certified with a Web Server Certificate.
Wagepay stores your data in Australian data centres as we are an Australian business. For those of you who are savvy techies, we use cloud hosting services from Amazon Web Services.
To qualify for a Wagepay wage advance, you need to meet the following requirements:
- You must be 18 years old.
- You must be employed and receive a regular, consistent income from your employer, of at least $500 per week.
- You must leave enough of your income each pay cycle in your account to be able to repay an advance.
- You must have a generally good banking history, which we determine using your Wagepay score.
If you are receiving Centrelink or worker’s compensation, you can apply, as long as you are also being paid a wage and meet the other qualification requirements.
To make a Wage Advance request, follow the instructions below in the app or web portal.
- Complete the signup process if you are a new user, which only takes a couple of minutes.
- From the Home screen, select ‘Apply’ or ‘Continue Application’.
- Follow the prompts to complete the process.
$500 per week is the minimum amount that we need to see being paid regularly from your employer into your bank account.
Please be aware, we can only review one bank, so if your income is split into two different banks, the second one cannot be included.
Yes. If you are receiving Centrelink or worker’s compensation, you can apply, as long as you are also being paid a wage and meet the other qualification requirements. This means that we need to also see that you are earning at least $500 per week in your bank account from an employer.
You will be given an advance limit, which is an estimation of how much you can draw down at any one time when you create an account. The maximum wage advance limit for new customers is 25% of your pay, and can be even more for return customers, to a maximum of $3,000. Your exact advance amount will be determined when you make an advance request.
You do not need to withdraw your limit all at once. You can make as many advance requests as you need up to your total advance limit at any time. Please be aware the minimum amount you can withdraw per advance is $100.
We can only advance a portion of your wage, rather than all of it, as our product is designed to be responsible and fair. It’s an advance of part of your wage that we believe you will be able to repay on your next payday.
We may increase your advance limit, at our discretion, when you reapply from time to time and when you have demonstrated you can manage your finances well.
Please note your advance limit is not permanent, so please continue the good work and practice sound financial management.
It takes about 3 minutes from start to finish to create your Wagepay account on average.
If we have recent bank feed data for you, your advance will be instant when you request it. If we need to update your bank feed, this may take an extra couple of minutes, depending on your bank.
You can have multiple advances at the same time, totalling up to your wage advance limit shown in the app.
Please be aware there is a minimum drawdown amount of $100.
Yes. You can pay your advance early by using any of the options below.
- Bank card using the make payment options in the app or web portal.
- PayTo real-time direct debit using the make payment options in the app or web portal.
- Online transfer to our bank account details, found on your Account Statement, which can be accessed at any time in the app or web portal.
You can repay your advance at any time using the repayment methods available in the app or web portal. Once your wage advance has been repaid, you can make a new wage advance request straight away.
Please be aware that we will do a quick check before each advance to make sure it is suitable for you.
No. At Wagepay, we do not do credit checks as a part of our sign-up or wage advance process. We complete our assessment using your bank account transaction history.
Some qualified customers will be invited to check their credit score for free, but we do not leave an enquiry in these cases as we only use Access Seeker Credit reports.
No. We do not contact your employer in our process in any way, shape, or form about your advance.
Even if your employer is signed up to Wagepay For Business, they will not know if you take out an advance or not.
Most customers won’t need to provide paper identification documents. We electronically identify you through services like Frankie Financial, Equifax, and Illion. Besides your personal details, we generally need you to have your driver’s licence number when you create your account.
If we are unable to identify you electronically, we may request copies of your identification documents before you can drawdown your first advance.
Once you’ve accepted your drawdown, we will release your funds to your bank straight away.
For most people, you will have the cash in your bank account and ready to use within 60 seconds, provided your bank account is NPP-enabled.
If you don’t have an NPP-enabled bank account, we will send the funds as an electronic funds transfer. These payments can take 1 to 2 business days to clear into your account.
Financing means your advance is being processed and we are attempting to transfer your funds to your nominated bank account. The status will update once your funds have been deposited.
If your advance has been in ‘Financing’ for an extended period, this may indicate there are delays with your bank or the NPP network. We would recommend you check back later, or contact our customer support team from the app or web portal for further assistance.
No. We only deposit the funds into the account where your wage goes.
Yes. Our service is available 24/7, 365 days a year. If you have an NPP-enabled bank account, which most Australians do, you will receive the funds within 60 seconds on the weekend.
If you have not received your SMS security code, there are a few things you should do:
- Check you have entered your correct phone number into the application (if you are creating a new account).
- Check that your phone has service.
- Check you have not blocked our mobile number in your phone’s settings.
- Check your Unknown Senders (iPhone) or Spam/Blocked/Unread (Android) folder in the Messages app. If our message is there, tap ‘Not Junk’ (iPhone) or ‘Not Spam’ / ‘Mark as Known’ (Android) so future messages land in your inbox. Adding our number to your contacts will also help prevent future messages from being filtered.
- Restart your phone and the Wagepay app or web portal.
If you are still having issues, we would recommend you try again later and contact our customer support team from the app or web portal.
There are occasions where your wage advance request can be declined. We build a bank statement score based on your bank statement history to make sure each advance is suitable for you. Some common decline reasons are:
- Inconsistencies with your wage (your last pay was missing or reduced, we cannot identify your income, your average pay is too small, you only receive benefits, etc.).
- Payment history (inconsistent repayment history with Wagepay, direct debit dishonours, missed loan payments, etc.).
- High-risk behaviour (overdrawing your account, large cash withdrawals, not leaving sufficient funds in your account for your repayments, etc.).
The Bank Score is updated frequently, so if you have been declined this time, you can always reapply after 7 days and we can reassess your advance limit. Being declined for an advance will also not impact your credit score with the credit reporting bureaus.
There are occasions where your wage advance can be declined, even when you are an existing customer. For each advance request, we will refresh your Bank Score to assess some key score factors to make sure a new wage advance is suitable. If there has been any change to these factors, this can result in your request being declined.
Your Bank Score is updated frequently, so if you have been declined this time, you can always refresh your limit after 7 days and see if you pass our criteria.
Your score is updated frequently, so if you have been declined this time, you can always refresh your limit after 7 days. Although, we generally need to see two wage payments deposited into your new account and these must be consistent.
If you have changed your bank, you will also need to update your bank feed in the app or web portal so we can see these wage payments, if you haven’t already.
Digital bank feeds allow us to access read-only copies of your bank transactions at lightning-fast speeds so we can offer our different services. We always utilise the latest technology to offer you the best service that we can.
Our digital statement provider is Talefin and you can view their Privacy Policy and Terms and Conditions on their website.
Some banks may not appear in our list of supported financial institutions, but we still service over 95% of banks within Australia. If your bank does not appear on the list, we are unable to provide you with our services at this time.
The two main banks we are unable to support at this time are Up Bank and ANZ Plus (all standard ANZ accounts are supported), however we expect these to become available in the coming months.
If you are having issues connecting your bank feed, there are a few things you should check:
- Check you are using the correct username and password for your online banking portal. For some banks, this means using your password rather than your PIN.
- Check you can log in to your bank’s official website, to make sure your bank is not having issues and that your access has not been temporarily blocked.
- Check whether there are any new terms and conditions or other messages that need to be accepted in your bank’s official banking portal, as this can impact your bank feed connection.
- Close and restart the Wagepay app or web portal.
- Wait half an hour and try again later.
If you are still having issues after working through the above, please contact our customer support team from the app or web portal for further assistance.
Our bank feed connection process takes around 3 to 4 minutes on average, however unfortunately sometimes it does take a bit longer. If you have been waiting for more than 6 minutes, please turn off the app and try again half an hour later.
You should submit the account where your employed wages are going into.
The minimum income you need to receive in your bank account on a weekly basis is $500, which is equivalent to $1,000 every fortnight and $2,000 every month. It is critical that we can see this income going into a bank account.
No. Only one Wagepay account can be linked to a bank feed.
If you and your partner share a joint bank account, only one of you can use Wagepay’s services with that account.
To update your linked bank feed, you’ll need to wait until your limit refreshes. During that process, you’ll be able to either confirm your existing bank feed or add a new one.
Until this step is completed, you won’t be able to change the account where your funds are deposited.
You can still update your direct debit account for repayments on active advances in your profile settings.
Your Bank Score is a proprietary score calculated by Wagepay that determines your perceived risk to creditors. The score is calculated from your bank account transaction history from the bank account you connect to the app.
Some of the key score factors used are loan repayment history, stability of income, direct debit history, high-risk transactions, types of credit borrowed, and spending patterns. Your Bank Score is also used by Wagepay to determine your maximum advance amount. We also provide information and tips on how you can improve your Bank Score.
Your credit score is a score created by a credit bureau, such as Equifax or Illion, to determine your credit risk. Your credit score is calculated from data that creditors report to the credit bureau, such as application information, credit default information, repayment history, and demographic data.
Please note that Wagepay does not use this score for our Wage Advance product. We only offer this information to help our premium customers monitor their overall financial health.
Wagepay automatically extracts your most recent Credit Score every month, so you can keep track of your score trend. Our credit score tracker feature is completely free. We do not use your credit score to make wage advance limit decisions and we do not leave a credit enquiry on your credit file.
Please note this service is only available for eligible premium customers who have opted in.
Wagepay Rewards is our newest initiative designed to benefit our customers. By completing goals in the app, you can earn Wagepay points, which can be redeemed for various rewards.
To unlock Wagepay Rewards, you must repay at least three advances and have no overdue advances.
Additionally, you must make one advance drawdown every three months to keep your rewards active.
To earn Wagepay points, you must complete goals such as repaying on time, maintaining a good Bank Score for three consecutive months, and consistently logging into the app for three straight months.
Log in to the app for more details on different goals.
You will receive your points right after you complete the goals, as point issuance is real-time. For example, once you repay on time, you will immediately receive your points.
To see your points balance, follow the instructions below in the app or web portal.
- From the home screen, select ‘Rewards’.
- Then select the ‘Choose Rewards’ button.
- Click on the button with your initials in the top right-hand corner of the page.
To redeem your points, follow the instructions below in the app or web portal.
- From the home screen, select ‘Rewards’.
- Then select the ‘Choose Rewards’ button.
You will then be in the redemption portal where you can redeem points.
You can choose to redeem your points from the following four options:
- Gift cards
- Travel
- Carbon offsets
- Cryptocurrency
Visit the rewards section to see the details of each option.
No. Points do not expire, but you must take an advance every three months to access Wagepay Rewards.
If you haven’t received your points, contact Wagepay customer support for more information.
If you haven’t received your reward after redeeming it, please contact the Ascenda team dedicated to Wagepay users at rewardscentral@support.ascenda.com.
No. You can only have one Wagepay account and you cannot transfer points to other Wagepay accounts.
To find and send your referral code, follow the instructions below in the app or web portal.
- Go to the ‘Home’ page.
- Under the ‘Invite A Friend & Get Paid’ heading, click the ‘Share Link’ button.
- Click the ‘Click here to copy your invite link’ button.
- Paste the link in a messaging platform to share it with a friend.
Your friend can either click the link you sent and create an account, or they can type in the invitation code you provided when they first sign up. After completing a wage advance drawdown, both of you will receive the reward.
No. There is no limit to how many friends you share this with. The more people you share Wagepay with, the more you can earn.
Wagepay will transfer the referral payment directly to your connected bank account within 10 minutes of your friend completing their drawdown. The fund will be transferred to your primary income account which is also the account you receive your Wage Advance payments.
Unfortunately, if you don’t have an active bank feed linked with Wagepay, you will not be able to receive your referral payments.
If you didn’t receive a referral payment, it may be because your friend has previously registered with Wagepay. Unfortunately, if your friend has already registered with Wagepay in the past, you will not be eligible for the referral payment.
In addition, you must have a valid bank feed connected to your Wagepay account to receive referral payments.
You typically need to pay back on your next payday. If your payday is very close to the date you take out your wage advance, then at our discretion, we may use the subsequent payday instead.
Yes. There are two self-service options available to change when your repayment is due in the app or web portal.
- Postpone: Push your repayment forward by one pay cycle.
- Split: Spread your repayment across two pay cycles.
If you have multiple advances, you will need to use these features for each advance individually. If you’ve already used these options on your advance, or the option isn’t otherwise available, please contact our customer support team to discuss your options. Please be aware frequent use of this feature will also reduce your advance limit over time.
To postpone your repayment date, follow the instructions below in the app or web portal.
- Navigate to the ‘Advances’ section.
- Under the heading ‘Active Drawdowns’, you will see all of your active wage advances. Click on the wage advance you wish to update to expand down the options for it.
- Select ‘Postpone Payment’.
- Then select the new date you want the payment to come out, and hit ‘Apply’.
Please note this is only available once per advance. The postpone feature and the split payment feature cannot be used on the same advance. Frequent use of these features may also reduce your advance limit over time.
To split your repayment, follow the instructions below in the app or web portal.
- Navigate to the ‘Advances’ section.
- Under the heading ‘Active Drawdowns’, you will see all of your wage advances. Click on the wage advance you wish to update to expand down the options for it.
- Select ‘Split Payment’.
- Review the new payment dates and amounts, and hit ‘Confirm Split Payment’.
Please note this is only available once per advance. The postpone feature and the split payment feature cannot be used on the same advance. Frequent use of these features may also reduce your advance limit over time.
There are a few reasons the postpone and split features may not be available:
- You’ve already used the postpone or split feature on this advance.
- Your advance is in arrears.
- You’ve already made a partial payment on the advance.
If you need to work out an alternative arrangement, please contact our customer support team from the app or web portal.
The dates available in the postpone and split features are based on your pay cycle and the maximum repayment window for your advance, so the exact date you’d like may not always appear.
If the date you need isn’t there, please contact our customer support team from the app or web portal.
No. Repayment dates are set per advance. Our system aligns each repayment with your payday based on the wage payments it sees in your bank feed, so you can’t choose a specific day or date for all future advances.
If you’ve noticed the system is picking the wrong day or date for you, please contact our customer support team from the app or web portal, and we’ll take a look.
If you only need to adjust your current advance, you can use the postpone feature to delay the repayment.
When you miss a payment, your account will be in arrears, and you will need to make up the payment as soon as possible to avoid any difficulty in accessing the service again. You may do so either by using a debit card within the app or get in touch with our customer service team to arrange payment. If your account is in arrears for an extended period, then the collection process may start.
If you are experiencing financial hardship and you have already used the postpone and split repayment feature, please contact our customer support team from the app or web portal. They will be able to discuss your situation with you.
We have a number of repayment methods available to repay your advance.
- Direct debit (which is the default repayment method)
- PayTo (Real-time direct debit)
- Card payment
- Electronic funds transfer (EFT)
Direct Debits are payments that we deduct on your behalf from your nominated bank account. They may take up to 2 business days to clear and during this time your repayment will be in a processing status. Once your direct debit is cleared, your advance limit will automatically be freed up again.
Standard direct debits are supported by most bank accounts in Australia.
PayTo is a new payment method that allows instant processing of reoccurring direct debit payments. This means, unlike standard direct debit, you no longer need to wait for 2 to 3 business days for the payment to be processed.
You do, however, need to accept your PayTo agreement in your bank’s app or web portal before it can be used.
Yes, as long as your bank supports it. Around 50 financial institutions in Australia currently have PayTo enabled.
If your bank supports PayTo, we will attempt to use it and create a PayTo Agreement for you when you accept your advance.
If your bank is having technical issues with PayTo, or you are otherwise unable to accept your PayTo Agreement, we will revert your payments to Direct Debit.
A PayTo Agreement is a payment agreement for real-time direct debit, detailing the direct debit frequency, amount, start date, payee and other terms and conditions about the real-time direct debit. It is like a traditional Direct Debit Service Agreement, but with a PayTo Agreement, you can view and manage it in your online banking portal or mobile banking app.
If your bank is PayTo enabled, Wagepay will automatically create a PayTo Agreement during your wage drawdown.
Please note that your PayTo agreement may state that the payment amount is $3,300.
Your PayTo Agreement may list that your direct debit amount is $3,300, as this is the maximum payment amount that Wagepay could request if you have fully drawn down on your account. This is not necessarily your next direct debit amount. For details on your upcoming payments, please see the wage advance section of your app or web portal.
Unlike traditional direct debit, you will need to review and approve PayTo in your bank’s online portal or app.
Once you complete your drawdown, please head to your internet banking portal or mobile banking app, and you should see a notification asking you to review the PayTo Agreement.
Please note you must accept the PayTo agreement within 5 days of its creation. If a PayTo Agreement is not accepted, then Wagepay will continue to use traditional Direct Debit when repayment is due.
No. If your PayTo Agreement has expired or is not working, you cannot request another one for that advance. We will revert your payments to Direct Debit instead.
If you take out a new advance, we will generate another PayTo Agreement at that time.
Yes. This is done by going to your internet banking portal or mobile banking app, selecting the PayTo agreement and you can either ‘Pause’ or ‘Cancel’ an agreement.
Please note to gain access to Wagepay services, you are always required to have an active direct debit agreement, either on PayTo or traditional Direct Debit.
To update your direct debit account details, follow the instructions below in the app or web portal.
- Go to the ‘Profile’ tab.
- Then select ‘Payment Details’.
- Under the ‘Direct Debit Account‘ heading, select ‘Change Account Details‘.
- Follow the prompts to add and verify your new details.
Please note if there was a direct debit already processing while it was updated, then the newly nominated direct debit account will only be used at the subsequent direct debit run.
Wagepay charges a maximum 5% flat fee and 24% interest per annum for its wage advance product. You can see some examples of this using the repayment calculator on our website.
Some selected clients are offered a reduced establishment fee based on their repayment history and the number of advances previously repaid. If you qualify for this, we will let you know when you apply for an advance and the offer will be automatically applied for you.
At Wagepay’s discretion, we may automatically apply a discount to your fee when you have demonstrated good financial management skills and have an excellent repayment history at Wagepay.
Please note this is not a permanent discount, so please continue the good work and practice sound financial management.
No. The maximum we charge for our wage advance product is a 5% flat fee and 24% interest per annum.
No. We do not charge a direct debit fee.
No. We do not charge a dishonour fee or missed payment fee.
Please note however that your bank may charge a fee, so it’s best to contact them to confirm this.
No. We do not charge additional fees when you use your bank card to repay. However, at this stage, we only take Visa or Mastercard payments.
To log into your Wagepay account, follow the instructions below in the app or web portal.
- From the first screen, select ‘Log In’.
- Select your preferred login method:
- ‘Email’: enter your email address and password.
- ‘Mobile’: enter your mobile number and the verification code sent via SMS.
If you have multi-factor authentication enabled on your account, you may also be prompted to enter an additional code sent via SMS or email.
To update your multi-factor authentication settings, follow the instructions below in the app or web portal.
- Navigate to the ‘Profile’ section.
- Select ‘Settings’.
- Click the ‘Login MFA’ toggle.
Once enabled, you will be required to verify your mobile number or email address each time you log in, depending on which login method you are using.
We strongly recommend enabling multi-factor authentication on your account to help keep it secure.
To access a copy of your consolidated account statement, follow the instructions below in the app or web portal.
- Go to the ‘Advances’ tab.
- Scroll down to the ‘Account Statement’ button.
- Select the time period you would like a statement for.
To update your contact details, follow the instructions below in the app or web portal.
- Go to the ‘Profile’ tab.
- Then select ‘Settings’.
- Then select the contact information you would like to update ‘Email’, ‘Mobile’ or ‘Address’.
- Follow the prompts to add and verify your new details.
You don’t have to update your income if this increases or decreases as we will always update this each time we refresh your advance limit.
You can reset your password from the login screen of the mobile app or web portal. Follow the instructions below.
1. Select ‘Log In’.
2. Select ‘Forgot Password?’.
3. Enter your email address, then select ‘Resend Code’.
4. Enter the verification code, then select ‘Verify’.
5. Follow the prompts to set your new password.
Please be aware you should save your new password in a safe place. If you lose it or do not save it correctly, you will need to reset it again.
To update your marketing prefences, follow the instructions below in the app or web portal.
1. Navigate to the ‘Profile’ section.
2. Then select ‘Settings’.
3. Click the ‘Receive Marketing Info’ toggle.
You can also opt out directly from marketing emails or SMS you’ve received by following the unsubscribe instructions included in the message. Please note you will still receive general updates regarding your account.
To permanently close your account, follow the instructions below in the app or web portal.
1. Navigate to the ‘Profile’ section.
2. Select ‘Settings’.
3. Select ‘Close Account’.
4. Select ‘Yes, Close my Account’.
Please be aware that closing your account is permanent. We will not be able to reopen your account, and you will not be able to use our services again. Please only use this feature if you are sure you want to do this.
Wagepay For Business is a service offered by Wagepay which allows employers to verify their employee’s ongoing employment and unlock more perks and benefits for you! The service does not disclose your account usage to your employer but still helps you unlock significant discounts for your wage advances, plus much more!
The main advantage of having your employer registered for a Wagepay For Business account is reduced fees for your wage advances. While your employer is endorsing your employment, we will reduce the standard wage advance credit fee from 5% to 3%! If you already qualify for a deluxe account, you can save even more. You can also receive other special offers and benefits.
To anonymously invite your employer to register a Wagepay For Business account, follow the instructions below in the app or web portal.
- Navigate to the ‘My Employer’ section.
- Click the button beside the text saying ‘Enter your employer’s email here and we will send them an invitation email’.
- Enter your employer’s email address in the box provided, then click the ‘Send an Intro Email’ button.
- An anonymous invitation email will be shared to your employer’s email.
Please note you may only send this invitation email once. Alternatively, ask your Employer to visit the Wagepay For Business website to register.
Endorsement is when your employer verifies your employment details and makes you eligible to receive business account benefits from Wagepay.
An endorsement code is a unique code that your employer will generate and provide to you. It is this code that links you to your employer. You must add this code to your Wagepay account to access business benefits.
The endorsement code is the only link between you and your employer, which makes the process simple and private.
To add your endorsement code to your account, follow the instructions below in the app or web portal.
- Navigate to the ‘My Employer’ section.
- Click the ‘Enter Endorsement Code’ button.
- Enter your endorsement code in the box provided, then click the ‘Verify Employment’ button.
You can also add an endorsement code when applying for an advance. Please note if you have entered incorrect endorsement codes multiple times, you may not be able to do so again until the next day.
To check the status of your endorsement, simply navigate to the ‘My Employer’ section.
Furthermore, you will automatically receive a discount each time you drawdown. If you’re not seeing the discount during drawdown, it’s likely that your employment endorsement has expired.
No! We will not contact your employer when you apply for a wage advance.
Your employer will provide you with a unique endorsement code for you to access business benefits. We use this code to verify your employment details, meaning your employer will not know when you apply for an advance.
No. An endorsement from an employer does not guarantee your access to Wagepay’s services. You are always eligible to apply for services provided by Wagepay, however, your applications would still be subject to verification and approval processes.
While we will always try our best to approve your wage advance requests, there are times when it may not be responsible to approve you for an advance.
No! We will keep the details of your usage of our services private from your employer, even if they ask. We designed the Wagepay For Business process to be as private and confidential as possible.
No! We will not contact your employer if you miss a repayment. We won’t disclose your use of our services in any way with your employer.
Yes. Your employer can cancel your endorsement anytime, such as when your employer terminates your employment.
Until you enter a new endorsement code, you will lose any benefits associated with your employer’s Wagepay Business account if your employer cancels your endorsement. Your employer should notify you if they cancel your endorsement.
You can still use the standard features of Wagepay after your employer cancels your endorsement.
To contact Wagepay, follow the instructions below in the app or web portal.
- Go to the ‘Profile’ tab.
- Then select ‘Contact Us’.
You can also contact us via email hello@wagepay.com.au, however, please be aware requests made by email may take longer to process as we will need to identify you before looking at your request.
No. We are 100% online, but you can still contact customer support through your app or web portal.
Our customer support team is available Monday to Friday, 7:00am to 4:00pm (AEST). Additional support may also be available on weekends during peak periods, such as around public holidays. Our support team will aim to reply within one business day.
Wagepay is a game-changing new service that was designed to revolutionise the way everyday Aussies access and manage their pay, by giving them real-time access to their wages and other add-on services, without the requirement to involve their employer.
In addition to our wage advance service, Wagepay also offers other add-on services for qualified customers, including:
- Bank scoring, with tips for improving your creditworthiness.
- Access to your Equifax credit report, free of charge.
- Tiered pricing for wage advances for even lower rates.
- A loyalty program.
To access our services, please download our app from the Apple or Google Play stores. Our app is called “Wagepay: Access up to 3,000”.
If you only have a computer, you can also use our web portal on our website. Wagepay is 100% online, so we don’t have any physical stores.
To create an account, you will need the following information:
- Your personal details, such as name, date of birth, and address.
- Your mobile number.
- Your email address.
- Your basic income and expense information.
Before you can request your first wage advance, you will also need to connect your bank feed.
Wagepay has three different account tiers, allowing you to unlock additional features. At our discretion, when you have demonstrated good financial management skills and maintained an excellent repayment history with us, we may upgrade your account tier. This will gain you access to features like a higher limit, reduced fees, and free access to your credit score!
Please note this is not a permanent upgrade, so please continue the good work and excellent repayment history.
Yes. Wagepay is a secure service that follows the same security and encryption standards as banks and ensures that security best practices are always being followed.
Transactions are protected with 256-bit Secure Socket Layer encryption. Our website is certified with a Web Server Certificate.
Wagepay stores your data in Australian data centres as we are an Australian business. For those of you who are savvy techies, we use cloud hosting services from Amazon Web Services.
To qualify for a Wagepay wage advance, you need to meet the following requirements:
- You must be 18 years old.
- You must be employed and receive a regular, consistent income from your employer, of at least $500 per week.
- You must leave enough of your income each pay cycle in your account to be able to repay an advance.
- You must have a generally good banking history, which we determine using your Wagepay score.
If you are receiving Centrelink or worker’s compensation, you can apply, as long as you are also being paid a wage and meet the other qualification requirements.
To make a Wage Advance request, follow the instructions below in the app or web portal.
- Complete the signup process if you are a new user, which only takes a couple of minutes.
- From the Home screen, select ‘Apply’ or ‘Continue Application’.
- Follow the prompts to complete the process.
$500 per week is the minimum amount that we need to see being paid regularly from your employer into your bank account.
Please be aware, we can only review one bank, so if your income is split into two different banks, the second one cannot be included.
Yes. If you are receiving Centrelink or worker’s compensation, you can apply, as long as you are also being paid a wage and meet the other qualification requirements. This means that we need to also see that you are earning at least $500 per week in your bank account from an employer.
You will be given an advance limit, which is an estimation of how much you can draw down at any one time when you create an account. The maximum wage advance limit for new customers is 25% of your pay, and can be even more for return customers, to a maximum of $3,000. Your exact advance amount will be determined when you make an advance request.
You do not need to withdraw your limit all at once. You can make as many advance requests as you need up to your total advance limit at any time. Please be aware the minimum amount you can withdraw per advance is $100.
We can only advance a portion of your wage, rather than all of it, as our product is designed to be responsible and fair. It’s an advance of part of your wage that we believe you will be able to repay on your next payday.
We may increase your advance limit, at our discretion, when you reapply from time to time and when you have demonstrated you can manage your finances well.
Please note your advance limit is not permanent, so please continue the good work and practice sound financial management.
It takes about 3 minutes from start to finish to create your Wagepay account on average.
If we have recent bank feed data for you, your advance will be instant when you request it. If we need to update your bank feed, this may take an extra couple of minutes, depending on your bank.
You can have multiple advances at the same time, totalling up to your wage advance limit shown in the app.
Please be aware there is a minimum drawdown amount of $100.
Yes. You can pay your advance early by using any of the options below.
- Bank card using the make payment options in the app or web portal.
- PayTo real-time direct debit using the make payment options in the app or web portal.
- Online transfer to our bank account details, found on your Account Statement, which can be accessed at any time in the app or web portal.
You can repay your advance at any time using the repayment methods available in the app or web portal. Once your wage advance has been repaid, you can make a new wage advance request straight away.
Please be aware that we will do a quick check before each advance to make sure it is suitable for you.
No. At Wagepay, we do not do credit checks as a part of our sign-up or wage advance process. We complete our assessment using your bank account transaction history.
Some qualified customers will be invited to check their credit score for free, but we do not leave an enquiry in these cases as we only use Access Seeker Credit reports.
No. We do not contact your employer in our process in any way, shape, or form about your advance.
Even if your employer is signed up to Wagepay For Business, they will not know if you take out an advance or not.
Most customers won’t need to provide paper identification documents. We electronically identify you through services like Frankie Financial, Equifax, and Illion. Besides your personal details, we generally need you to have your driver’s licence number when you create your account.
If we are unable to identify you electronically, we may request copies of your identification documents before you can drawdown your first advance.
Once you’ve accepted your drawdown, we will release your funds to your bank straight away.
For most people, you will have the cash in your bank account and ready to use within 60 seconds, provided your bank account is NPP-enabled.
If you don’t have an NPP-enabled bank account, we will send the funds as an electronic funds transfer. These payments can take 1 to 2 business days to clear into your account.
Financing means your advance is being processed and we are attempting to transfer your funds to your nominated bank account. The status will update once your funds have been deposited.
If your advance has been in ‘Financing’ for an extended period, this may indicate there are delays with your bank or the NPP network. We would recommend you check back later, or contact our customer support team from the app or web portal for further assistance.
No. We only deposit the funds into the account where your wage goes.
Yes. Our service is available 24/7, 365 days a year. If you have an NPP-enabled bank account, which most Australians do, you will receive the funds within 60 seconds on the weekend.
If you have not received your SMS security code, there are a few things you should do:
- Check you have entered your correct phone number into the application (if you are creating a new account).
- Check that your phone has service.
- Check you have not blocked our mobile number in your phone’s settings.
- Check your Unknown Senders (iPhone) or Spam/Blocked/Unread (Android) folder in the Messages app. If our message is there, tap ‘Not Junk’ (iPhone) or ‘Not Spam’ / ‘Mark as Known’ (Android) so future messages land in your inbox. Adding our number to your contacts will also help prevent future messages from being filtered.
- Restart your phone and the Wagepay app or web portal.
If you are still having issues, we would recommend you try again later and contact our customer support team from the app or web portal.
There are occasions where your wage advance request can be declined. We build a bank statement score based on your bank statement history to make sure each advance is suitable for you. Some common decline reasons are:
- Inconsistencies with your wage (your last pay was missing or reduced, we cannot identify your income, your average pay is too small, you only receive benefits, etc.).
- Payment history (inconsistent repayment history with Wagepay, direct debit dishonours, missed loan payments, etc.).
- High-risk behaviour (overdrawing your account, large cash withdrawals, not leaving sufficient funds in your account for your repayments, etc.).
The Bank Score is updated frequently, so if you have been declined this time, you can always reapply after 7 days and we can reassess your advance limit. Being declined for an advance will also not impact your credit score with the credit reporting bureaus.
There are occasions where your wage advance can be declined, even when you are an existing customer. For each advance request, we will refresh your Bank Score to assess some key score factors to make sure a new wage advance is suitable. If there has been any change to these factors, this can result in your request being declined.
Your Bank Score is updated frequently, so if you have been declined this time, you can always refresh your limit after 7 days and see if you pass our criteria.
Your score is updated frequently, so if you have been declined this time, you can always refresh your limit after 7 days. Although, we generally need to see two wage payments deposited into your new account and these must be consistent.
If you have changed your bank, you will also need to update your bank feed in the app or web portal so we can see these wage payments, if you haven’t already.
Digital bank feeds allow us to access read-only copies of your bank transactions at lightning-fast speeds so we can offer our different services. We always utilise the latest technology to offer you the best service that we can.
Our digital statement provider is Talefin and you can view their Privacy Policy and Terms and Conditions on their website.
Some banks may not appear in our list of supported financial institutions, but we still service over 95% of banks within Australia. If your bank does not appear on the list, we are unable to provide you with our services at this time.
The two main banks we are unable to support at this time are Up Bank and ANZ Plus (all standard ANZ accounts are supported), however we expect these to become available in the coming months.
If you are having issues connecting your bank feed, there are a few things you should check:
- Check you are using the correct username and password for your online banking portal. For some banks, this means using your password rather than your PIN.
- Check you can log in to your bank’s official website, to make sure your bank is not having issues and that your access has not been temporarily blocked.
- Check whether there are any new terms and conditions or other messages that need to be accepted in your bank’s official banking portal, as this can impact your bank feed connection.
- Close and restart the Wagepay app or web portal.
- Wait half an hour and try again later.
If you are still having issues after working through the above, please contact our customer support team from the app or web portal for further assistance.
Our bank feed connection process takes around 3 to 4 minutes on average, however unfortunately sometimes it does take a bit longer. If you have been waiting for more than 6 minutes, please turn off the app and try again half an hour later.
You should submit the account where your employed wages are going into.
The minimum income you need to receive in your bank account on a weekly basis is $500, which is equivalent to $1,000 every fortnight and $2,000 every month. It is critical that we can see this income going into a bank account.
No. Only one Wagepay account can be linked to a bank feed.
If you and your partner share a joint bank account, only one of you can use Wagepay’s services with that account.
To update your linked bank feed, you’ll need to wait until your limit refreshes. During that process, you’ll be able to either confirm your existing bank feed or add a new one.
Until this step is completed, you won’t be able to change the account where your funds are deposited.
You can still update your direct debit account for repayments on active advances in your profile settings.
Your Bank Score is a proprietary score calculated by Wagepay that determines your perceived risk to creditors. The score is calculated from your bank account transaction history from the bank account you connect to the app.
Some of the key score factors used are loan repayment history, stability of income, direct debit history, high-risk transactions, types of credit borrowed, and spending patterns. Your Bank Score is also used by Wagepay to determine your maximum advance amount. We also provide information and tips on how you can improve your Bank Score.
Your credit score is a score created by a credit bureau, such as Equifax or Illion, to determine your credit risk. Your credit score is calculated from data that creditors report to the credit bureau, such as application information, credit default information, repayment history, and demographic data.
Please note that Wagepay does not use this score for our Wage Advance product. We only offer this information to help our premium customers monitor their overall financial health.
Wagepay automatically extracts your most recent Credit Score every month, so you can keep track of your score trend. Our credit score tracker feature is completely free. We do not use your credit score to make wage advance limit decisions and we do not leave a credit enquiry on your credit file.
Please note this service is only available for eligible premium customers who have opted in.
Wagepay Rewards is our newest initiative designed to benefit our customers. By completing goals in the app, you can earn Wagepay points, which can be redeemed for various rewards.
To unlock Wagepay Rewards, you must repay at least three advances and have no overdue advances.
Additionally, you must make one advance drawdown every three months to keep your rewards active.
To earn Wagepay points, you must complete goals such as repaying on time, maintaining a good Bank Score for three consecutive months, and consistently logging into the app for three straight months.
Log in to the app for more details on different goals.
You will receive your points right after you complete the goals, as point issuance is real-time. For example, once you repay on time, you will immediately receive your points.
To see your points balance, follow the instructions below in the app or web portal.
- From the home screen, select ‘Rewards’.
- Then select the ‘Choose Rewards’ button.
- Click on the button with your initials in the top right-hand corner of the page.
To redeem your points, follow the instructions below in the app or web portal.
- From the home screen, select ‘Rewards’.
- Then select the ‘Choose Rewards’ button.
You will then be in the redemption portal where you can redeem points.
You can choose to redeem your points from the following four options:
- Gift cards
- Travel
- Carbon offsets
- Cryptocurrency
Visit the rewards section to see the details of each option.
No. Points do not expire, but you must take an advance every three months to access Wagepay Rewards.
If you haven’t received your points, contact Wagepay customer support for more information.
If you haven’t received your reward after redeeming it, please contact the Ascenda team dedicated to Wagepay users at rewardscentral@support.ascenda.com.
No. You can only have one Wagepay account and you cannot transfer points to other Wagepay accounts.
To find and send your referral code, follow the instructions below in the app or web portal.
- Go to the ‘Home’ page.
- Under the ‘Invite A Friend & Get Paid’ heading, click the ‘Share Link’ button.
- Click the ‘Click here to copy your invite link’ button.
- Paste the link in a messaging platform to share it with a friend.
Your friend can either click the link you sent and create an account, or they can type in the invitation code you provided when they first sign up. After completing a wage advance drawdown, both of you will receive the reward.
No. There is no limit to how many friends you share this with. The more people you share Wagepay with, the more you can earn.
Wagepay will transfer the referral payment directly to your connected bank account within 10 minutes of your friend completing their drawdown. The fund will be transferred to your primary income account which is also the account you receive your Wage Advance payments.
Unfortunately, if you don’t have an active bank feed linked with Wagepay, you will not be able to receive your referral payments.
If you didn’t receive a referral payment, it may be because your friend has previously registered with Wagepay. Unfortunately, if your friend has already registered with Wagepay in the past, you will not be eligible for the referral payment.
In addition, you must have a valid bank feed connected to your Wagepay account to receive referral payments.
You typically need to pay back on your next payday. If your payday is very close to the date you take out your wage advance, then at our discretion, we may use the subsequent payday instead.
Yes. There are two self-service options available to change when your repayment is due in the app or web portal.
- Postpone: Push your repayment forward by one pay cycle.
- Split: Spread your repayment across two pay cycles.
If you have multiple advances, you will need to use these features for each advance individually. If you’ve already used these options on your advance, or the option isn’t otherwise available, please contact our customer support team to discuss your options. Please be aware frequent use of this feature will also reduce your advance limit over time.
To postpone your repayment date, follow the instructions below in the app or web portal.
- Navigate to the ‘Advances’ section.
- Under the heading ‘Active Drawdowns’, you will see all of your active wage advances. Click on the wage advance you wish to update to expand down the options for it.
- Select ‘Postpone Payment’.
- Then select the new date you want the payment to come out, and hit ‘Apply’.
Please note this is only available once per advance. The postpone feature and the split payment feature cannot be used on the same advance. Frequent use of these features may also reduce your advance limit over time.
To split your repayment, follow the instructions below in the app or web portal.
- Navigate to the ‘Advances’ section.
- Under the heading ‘Active Drawdowns’, you will see all of your wage advances. Click on the wage advance you wish to update to expand down the options for it.
- Select ‘Split Payment’.
- Review the new payment dates and amounts, and hit ‘Confirm Split Payment’.
Please note this is only available once per advance. The postpone feature and the split payment feature cannot be used on the same advance. Frequent use of these features may also reduce your advance limit over time.
There are a few reasons the postpone and split features may not be available:
- You’ve already used the postpone or split feature on this advance.
- Your advance is in arrears.
- You’ve already made a partial payment on the advance.
If you need to work out an alternative arrangement, please contact our customer support team from the app or web portal.
The dates available in the postpone and split features are based on your pay cycle and the maximum repayment window for your advance, so the exact date you’d like may not always appear.
If the date you need isn’t there, please contact our customer support team from the app or web portal.
No. Repayment dates are set per advance. Our system aligns each repayment with your payday based on the wage payments it sees in your bank feed, so you can’t choose a specific day or date for all future advances.
If you’ve noticed the system is picking the wrong day or date for you, please contact our customer support team from the app or web portal, and we’ll take a look.
If you only need to adjust your current advance, you can use the postpone feature to delay the repayment.
When you miss a payment, your account will be in arrears, and you will need to make up the payment as soon as possible to avoid any difficulty in accessing the service again. You may do so either by using a debit card within the app or get in touch with our customer service team to arrange payment. If your account is in arrears for an extended period, then the collection process may start.
If you are experiencing financial hardship and you have already used the postpone and split repayment feature, please contact our customer support team from the app or web portal. They will be able to discuss your situation with you.
We have a number of repayment methods available to repay your advance.
- Direct debit (which is the default repayment method)
- PayTo (Real-time direct debit)
- Card payment
- Electronic funds transfer (EFT)
Direct Debits are payments that we deduct on your behalf from your nominated bank account. They may take up to 2 business days to clear and during this time your repayment will be in a processing status. Once your direct debit is cleared, your advance limit will automatically be freed up again.
Standard direct debits are supported by most bank accounts in Australia.
PayTo is a new payment method that allows instant processing of reoccurring direct debit payments. This means, unlike standard direct debit, you no longer need to wait for 2 to 3 business days for the payment to be processed.
You do, however, need to accept your PayTo agreement in your bank’s app or web portal before it can be used.
Yes, as long as your bank supports it. Around 50 financial institutions in Australia currently have PayTo enabled.
If your bank supports PayTo, we will attempt to use it and create a PayTo Agreement for you when you accept your advance.
If your bank is having technical issues with PayTo, or you are otherwise unable to accept your PayTo Agreement, we will revert your payments to Direct Debit.
A PayTo Agreement is a payment agreement for real-time direct debit, detailing the direct debit frequency, amount, start date, payee and other terms and conditions about the real-time direct debit. It is like a traditional Direct Debit Service Agreement, but with a PayTo Agreement, you can view and manage it in your online banking portal or mobile banking app.
If your bank is PayTo enabled, Wagepay will automatically create a PayTo Agreement during your wage drawdown.
Please note that your PayTo agreement may state that the payment amount is $3,300.
Your PayTo Agreement may list that your direct debit amount is $3,300, as this is the maximum payment amount that Wagepay could request if you have fully drawn down on your account. This is not necessarily your next direct debit amount. For details on your upcoming payments, please see the wage advance section of your app or web portal.
Unlike traditional direct debit, you will need to review and approve PayTo in your bank’s online portal or app.
Once you complete your drawdown, please head to your internet banking portal or mobile banking app, and you should see a notification asking you to review the PayTo Agreement.
Please note you must accept the PayTo agreement within 5 days of its creation. If a PayTo Agreement is not accepted, then Wagepay will continue to use traditional Direct Debit when repayment is due.
No. If your PayTo Agreement has expired or is not working, you cannot request another one for that advance. We will revert your payments to Direct Debit instead.
If you take out a new advance, we will generate another PayTo Agreement at that time.
Yes. This is done by going to your internet banking portal or mobile banking app, selecting the PayTo agreement and you can either ‘Pause’ or ‘Cancel’ an agreement.
Please note to gain access to Wagepay services, you are always required to have an active direct debit agreement, either on PayTo or traditional Direct Debit.
To update your direct debit account details, follow the instructions below in the app or web portal.
- Go to the ‘Profile’ tab.
- Then select ‘Payment Details’.
- Under the ‘Direct Debit Account‘ heading, select ‘Change Account Details‘.
- Follow the prompts to add and verify your new details.
Please note if there was a direct debit already processing while it was updated, then the newly nominated direct debit account will only be used at the subsequent direct debit run.
Wagepay charges a maximum 5% flat fee and 24% interest per annum for its wage advance product. You can see some examples of this using the repayment calculator on our website.
Some selected clients are offered a reduced establishment fee based on their repayment history and the number of advances previously repaid. If you qualify for this, we will let you know when you apply for an advance and the offer will be automatically applied for you.
At Wagepay’s discretion, we may automatically apply a discount to your fee when you have demonstrated good financial management skills and have an excellent repayment history at Wagepay.
Please note this is not a permanent discount, so please continue the good work and practice sound financial management.
No. The maximum we charge for our wage advance product is a 5% flat fee and 24% interest per annum.
No. We do not charge a direct debit fee.
No. We do not charge a dishonour fee or missed payment fee.
Please note however that your bank may charge a fee, so it’s best to contact them to confirm this.
No. We do not charge additional fees when you use your bank card to repay. However, at this stage, we only take Visa or Mastercard payments.
To log into your Wagepay account, follow the instructions below in the app or web portal.
- From the first screen, select ‘Log In’.
- Select your preferred login method:
- ‘Email’: enter your email address and password.
- ‘Mobile’: enter your mobile number and the verification code sent via SMS.
If you have multi-factor authentication enabled on your account, you may also be prompted to enter an additional code sent via SMS or email.
To update your multi-factor authentication settings, follow the instructions below in the app or web portal.
- Navigate to the ‘Profile’ section.
- Select ‘Settings’.
- Click the ‘Login MFA’ toggle.
Once enabled, you will be required to verify your mobile number or email address each time you log in, depending on which login method you are using.
We strongly recommend enabling multi-factor authentication on your account to help keep it secure.
To access a copy of your consolidated account statement, follow the instructions below in the app or web portal.
- Go to the ‘Advances’ tab.
- Scroll down to the ‘Account Statement’ button.
- Select the time period you would like a statement for.
To update your contact details, follow the instructions below in the app or web portal.
- Go to the ‘Profile’ tab.
- Then select ‘Settings’.
- Then select the contact information you would like to update ‘Email’, ‘Mobile’ or ‘Address’.
- Follow the prompts to add and verify your new details.
You don’t have to update your income if this increases or decreases as we will always update this each time we refresh your advance limit.
You can reset your password from the login screen of the mobile app or web portal. Follow the instructions below.
1. Select ‘Log In’.
2. Select ‘Forgot Password?’.
3. Enter your email address, then select ‘Resend Code’.
4. Enter the verification code, then select ‘Verify’.
5. Follow the prompts to set your new password.
Please be aware you should save your new password in a safe place. If you lose it or do not save it correctly, you will need to reset it again.
To update your marketing prefences, follow the instructions below in the app or web portal.
1. Navigate to the ‘Profile’ section.
2. Then select ‘Settings’.
3. Click the ‘Receive Marketing Info’ toggle.
You can also opt out directly from marketing emails or SMS you’ve received by following the unsubscribe instructions included in the message. Please note you will still receive general updates regarding your account.
To permanently close your account, follow the instructions below in the app or web portal.
1. Navigate to the ‘Profile’ section.
2. Select ‘Settings’.
3. Select ‘Close Account’.
4. Select ‘Yes, Close my Account’.
Please be aware that closing your account is permanent. We will not be able to reopen your account, and you will not be able to use our services again. Please only use this feature if you are sure you want to do this.
Wagepay For Business is a service offered by Wagepay which allows employers to verify their employee’s ongoing employment and unlock more perks and benefits for you! The service does not disclose your account usage to your employer but still helps you unlock significant discounts for your wage advances, plus much more!
The main advantage of having your employer registered for a Wagepay For Business account is reduced fees for your wage advances. While your employer is endorsing your employment, we will reduce the standard wage advance credit fee from 5% to 3%! If you already qualify for a deluxe account, you can save even more. You can also receive other special offers and benefits.
To anonymously invite your employer to register a Wagepay For Business account, follow the instructions below in the app or web portal.
- Navigate to the ‘My Employer’ section.
- Click the button beside the text saying ‘Enter your employer’s email here and we will send them an invitation email’.
- Enter your employer’s email address in the box provided, then click the ‘Send an Intro Email’ button.
- An anonymous invitation email will be shared to your employer’s email.
Please note you may only send this invitation email once. Alternatively, ask your Employer to visit the Wagepay For Business website to register.
Endorsement is when your employer verifies your employment details and makes you eligible to receive business account benefits from Wagepay.
An endorsement code is a unique code that your employer will generate and provide to you. It is this code that links you to your employer. You must add this code to your Wagepay account to access business benefits.
The endorsement code is the only link between you and your employer, which makes the process simple and private.
To add your endorsement code to your account, follow the instructions below in the app or web portal.
- Navigate to the ‘My Employer’ section.
- Click the ‘Enter Endorsement Code’ button.
- Enter your endorsement code in the box provided, then click the ‘Verify Employment’ button.
You can also add an endorsement code when applying for an advance. Please note if you have entered incorrect endorsement codes multiple times, you may not be able to do so again until the next day.
To check the status of your endorsement, simply navigate to the ‘My Employer’ section.
Furthermore, you will automatically receive a discount each time you drawdown. If you’re not seeing the discount during drawdown, it’s likely that your employment endorsement has expired.
No! We will not contact your employer when you apply for a wage advance.
Your employer will provide you with a unique endorsement code for you to access business benefits. We use this code to verify your employment details, meaning your employer will not know when you apply for an advance.
No. An endorsement from an employer does not guarantee your access to Wagepay’s services. You are always eligible to apply for services provided by Wagepay, however, your applications would still be subject to verification and approval processes.
While we will always try our best to approve your wage advance requests, there are times when it may not be responsible to approve you for an advance.
No! We will keep the details of your usage of our services private from your employer, even if they ask. We designed the Wagepay For Business process to be as private and confidential as possible.
No! We will not contact your employer if you miss a repayment. We won’t disclose your use of our services in any way with your employer.
Yes. Your employer can cancel your endorsement anytime, such as when your employer terminates your employment.
Until you enter a new endorsement code, you will lose any benefits associated with your employer’s Wagepay Business account if your employer cancels your endorsement. Your employer should notify you if they cancel your endorsement.
You can still use the standard features of Wagepay after your employer cancels your endorsement.
To contact Wagepay, follow the instructions below in the app or web portal.
- Go to the ‘Profile’ tab.
- Then select ‘Contact Us’.
You can also contact us via email hello@wagepay.com.au, however, please be aware requests made by email may take longer to process as we will need to identify you before looking at your request.
No. We are 100% online, but you can still contact customer support through your app or web portal.
Our customer support team is available Monday to Friday, 7:00am to 4:00pm (AEST). Additional support may also be available on weekends during peak periods, such as around public holidays. Our support team will aim to reply within one business day.