Once you send us your supplier invoice, your payment schedule is emailed to you for review and to accept before we pay your supplier.

You are always in control

Our single fee allows you to easily manage your cash flow

You have the option of repaying 3 monthly or 12 weekly

Clear and transparent fees

No surprises

Simple and Transparent Fees

Example: Invoice value of $1,000

Example fee range, per month of the invoice value
12 x Weekly Repayments
3 x Monthly Repayments
Invoice value   Rate   Weekly fee
$1,000 x 0.25% = $2.50
Invoice value   Rate   Monthly fee
$1,000 x 1.00% = $10.00
Invoice value   Rate   Weekly fee
$1,000 x 0.50% = $5.00
Invoice value   Rate   Monthly fee
$1,000 x 2.00% = $20.00
Invoice value   Rate   Weekly fee
$1,000 x 0.75% = $7.50
Invoice value   Rate   Monthly fee
$1,000 x 3.00% = $30.00

We operate on a tiered risk adjusted pricing model with our fees ranging from between 1% and 3% of the invoice value per month. 

That means, for example, if you start off on tier 1 with a credit limit of $5,000 at a rate of 3%, then after successfully repaying say 5 x  3Pay invoices your rate may drop to 2.9%, and after further successfully repaying additional 3Pay invoices, you rate may drop further… all the way down to 1%.  Your rate is automatically adjusted based on your risk profile and repayment history.

Each repayment is made of the principal portion, plus fees and GST.  In the above example, the principal portion would be $1,000 / 12 weeks = $83.33 if weekly, or $1,000 / 3 months = $333.33  if monthly.   

No penalties for early repayment.  

No account keeping fees.

No origination fees.  

No hidden fees.  

No surprises.