● Built in Australia · Early access

You've done the work.
Get paid on the spot.

A compliant tax invoice in under a minute, and a payment link your customer taps before you've left the driveway.

No card reader. No lock-in. Your customers don't need an app. They tap a link and pay.

PayVoy is a tooling layer, not a payment processor. Card payments settle through your own merchant gateway account, never ours.

Sound familiar?

Chasing money is unpaid admin.

“The invoice is in the mail.”

Send it before you leave the job, not Sunday night at the kitchen table. If it takes more than a minute, it waits. So it shouldn't take more than a minute.

“I'll fix you up next week.”

A tap-to-pay link makes right now the easiest option your customer has. No BSB read out over the phone, no “did you get my email?”.

“Who still owes me?”

One screen: what's paid, what's due, what's overdue, and who's already been reminded, so you never chase someone who paid yesterday.

How it works

Three steps, and two of them are automatic.

01

Invoice from your phone

Line items, your logo, ABN, and GST worked out correctly, whether inclusive or exclusive. It's a proper tax invoice, not a text message with a number in it.

02

Send it how your customer lives

Text, WhatsApp, or email, sent from a real Australian number they can reply to. They tap the link and pay by card. No app, no account, no reading card numbers over the phone.

03

PayVoy watches the money

Receipts go out the moment money lands. Unpaid invoices get chased politely on schedule. Your Settlements screen shows what actually arrived, every day.

Thirty seconds, end to end. The real interface, with invented customers.

What's in the box

Everything between “job's done” and “money's in”.

01 / COMPLIANCE

Compliant tax invoices

GST handled properly, and it knows when to say “Tax Invoice” and when plain “Invoice”. That depends on your GST registration, and getting it wrong is an ATO problem.

02 / PAYMENTS

Tap-to-pay links

One link per invoice. Card payments settle straight into your own gateway account: eWAY today, with Global Payments and Ezidebit direct debit rolling out.

03 / CASHFLOW

Deposits & progress payments

Take 50% before you order materials. The invoice tracks what's collected and what's still owing, and doesn't call itself paid until it is.

04 / FOLLOW-UP

Automatic reminders

Polite nudges on a schedule you set. Never to someone who has already paid.

05 / DELIVERY

Text & WhatsApp

Payment links from a repliable Australian number, not a “do not reply”. Or send from your own phone so they see a number they know.

06 / RECONCILING

Receipts & Settlements

Customers get a receipt the moment money lands, including bank transfers and cash you record by hand. You get a daily settlements view that reconciles.

07 / CUSTOMERS

Client statements

One link shows a customer everything they owe you across invoices. No login, nothing to install.

08 / INSIGHT

Know who's slow

An aging report of what's overdue and by how long, plus how your payment speed compares with businesses like yours.

Where the money goes

Your money never touches PayVoy.

  • Straight to your account. Payments flow from your customer's card directly into your own merchant gateway account. PayVoy never holds, routes, or delays your funds.
  • Your gateway, your rates. Connect your own eWAY account. We don't clip the ticket on the way through.
  • Credentials in a vault. Gateway keys are encrypted at rest and tested with your gateway before they're ever saved. A typo'd key is refused, not stored.
  • Data stays in Australia. Hosted in Sydney. Your customers' details stay onshore.
  • An honest ledger. Every payment is recorded as money received: part payments, overpayments and refunds included. Recorded payments can't be quietly edited after the fact.
  • Early access, honestly labelled. PayVoy is being built hands-on with a small group of Australian businesses. If something's not verified yet, we say so in the product.
Pricing

Free while we build it with you.

These are the plans for when charging starts, so you know what you are building on. Card processing fees always go to your own gateway. PayVoy never takes a percentage of what you are paid.

 
Free

For the odd job, and for finding out whether this suits you.

$0

forever

  • 5 payment links a month
  • Compliant tax invoices, with your ABN and GST worked out
  • Send by email, or share the link however you like
  • Record bank transfers and cash by hand
  • One user
Start free
Most trades start here
Start

For a sole trader who is tired of chasing people who already meant to pay.

$29

per month, inc GST. $290 a year, which is two months free.

  • Unlimited payment links
  • Automatic reminders, and never to someone who has already paid
  • 100 texts a month from a real Australian number they can reply to
  • Deposits and progress payments, so you are paid before you order materials
  • A statement each customer can open without logging in
  • Daily settlements you can tick off against the bank, and an aging report
  • Your logo, your invoice style, your wording
  • One user
Start free
 
Pro

For when you are not the only one touching the books.

$69

per month, inc GST. $690 a year, which is two months free.

  • Everything in Start
  • Your team, with roles, so an apprentice can raise an invoice but not refund one
  • Cards kept on file and charged when the job is signed off
  • Payment plans that issue themselves on schedule
  • Bulk upload, for the month you catch up on paperwork
  • Audit log export
  • 300 texts a month
  • Unlimited users
Start free

Nothing is billed during early access. Every plan is open while we build alongside our first merchants, and you will hear from us well before that changes. Texts beyond your monthly allowance are 15c each. Card processing is charged by your own gateway at your own rates, and the money settles to your account, not ours.

Fair questions

What everyone asks first.

What does it cost?

Nothing, during early access. After that it is $0, $29 or $69 a month including GST, depending on how much you need. See the plans. Card processing fees are whatever your own gateway charges you, and PayVoy never takes a cut of what you are paid.

Do my customers need to install anything?

No. They get a link by text, WhatsApp or email, tap it, and pay by card in the browser. A receipt lands in their inbox automatically.

Whose payment gateway is it?

Yours. PayVoy connects to your own merchant account: eWAY today, with Global Payments and Ezidebit direct debit rolling out. Money settles directly to you, at your rates.

Are the invoices actually compliant?

Yes. GST is split correctly whether your prices are entered inclusive or exclusive, your ABN and details are on the document, and the “Tax Invoice” heading appears only when you're registered for GST, as the rules require.

What about bank transfers and cash?

Record them in a few taps, including part payments and deposits. The invoice stays open until it's genuinely covered, and the receipt still goes out when it is.

Can I take a deposit before starting a job?

Yes. Request any amount or percentage up front. The invoice tracks what's been collected and won't call itself paid until the full amount has landed.

Where is my data stored?

In Sydney, Australia.

What do you do with my customers' details?

We hold them for you, and that's all. Their names, emails and phone numbers are yours. We don't sell them, we don't market to them, and we don't use them for anything except sending the invoices, receipts and reminders you ask us to send. You can delete a customer from the app whenever you like.

Their card numbers never reach us at all. The card is entered on your payment gateway's own page; what comes back to PayVoy is whether it was approved and a transaction reference. If a customer saves a card for next time, we keep a token from your gateway plus the last four digits. Never the full number. The full detail is in our Privacy Policy.

How do I get started?

Sign up at app.payvoy.com.au, connect your gateway, and send your first invoice in a couple of minutes.

Send your next invoice before you leave the job.

Early access is open to Australian trades and small businesses.

Start free