Pay-on-demand: a Wage Advance when you need it
In today’s fast-paced, digital world, unexpected costs can come up any time, and needing some extra funds before payday is common. That’s where pay-on-demand services like Wagepay come in.
So, what is pay on demand? At Wagepay, it means paying you our Wage Advance in real time, in most cases landing in your account within 60 seconds2, instead of waiting for your next payday to arrive. The best part? We pay your Wage Advance directly to you, without needing to involve your employer.
Choose Wagepay for pay-on-demand
Wagepay’s Pay-On-Demand service is designed to be convenient and fast, so you can use it when you need it most.
- When you first apply, you’ll receive an estimated advance limit, so you know how much you could potentially advance.1
- Around 99% of our advances are paid via the New Payments Platform (NPP), so most customers get their funds within 60 seconds of accepting them.
- We’re the first in the industry to offer PayTo (real-time payments), so you don’t have to wait days for repayments to clear (as long as your bank supports PayTo).
Who can use Wagepay’s pay-on-demand app
To apply for Wagepay’s Pay-On-Demand service, you’ll need to meet the minimum requirements below.
- You’re at least 18 years old.
- You’re employed and receiving a regular wage.
- You earn at least $500 a week.
- Your wages are paid into an Australian bank account in your own name.
You’ll also need to connect your bank feed so we can verify your income and transaction history. These are just the minimum requirements to apply, as we assess every advance individually.
Using Wagepay’s pay-on-demand app
Getting a Wagepay Wage Advance is simple, and can be done using the steps below.
- Download our app or access our web portal.
- Create an account, which only takes a couple of minutes.
- Connect your bank feed, so we can verify your income and know where to pay your advance.
- Apply for your Wage Advance and get an immediate outcome.
- Accept your Wage Advance, and most people receive the funds within 60 seconds.
Things you should know
1 Wage Advance products are subject to terms and conditions, fees and charges, and eligibility and assessment criteria, which apply to each Wage Advance. The amount you can advance is determined by our eligibility and assessment criteria and can vary.
2 Most customers who have an NPP enabled bank account will receive funds in their account within 60 seconds of accepting their contract. For other customers, we send funds by EFT (online transfer). These funds typically arrive the next business day if sent before your bank’s cut-off time (often 5pm), or the business day after if sent after the cut-off, or on a weekend or public holiday.
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