🏆  ShaBaas Pay Wins APAC Best Payment Start-Up Innovation 2025

The Surcharge Ban Is Here.
Protect Your Margins.

Card surcharges have ended. Take control of payment costs with low, flat fees on eligible Pay by Bank payments, while giving customers the choice of cards and digital wallets.

  • Get Paid Instantly with Low, Flat Fees
  • All Major Payments Supported
  • Launch Your Branded Payment Page in Minutes
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Over A$1M processed for Australian businesses.

Small Business Month, 1–31 October 2026, supported by the NSW Government Managing Payment Costs & Cash Flow

Illustrative payment experience

Pay Using Any Australian Bank Account

Commonwealth Bank Westpac Bendigo Bank Bank of Queensland NAB Macquarie
The ShaBaas Pay Advantage

Different Ways ShaBaas Pay can improve business cash flow

Different teams use the same payment link for different moments: confirming a booking, collecting a deposit, closing out an invoice or giving clients a bank-first way to pay.


Solo operators

Freelancers and consultants

Send one clean link after the work is agreed, guide clients toward bank payment and keep more margin on high-value projects.

Retainers

Agencies

Collect retainers, deposits and final balances without turning every invoice into a card-fee decision.

On-site work

Contractors

Request payment on completion, store the receipt and move on to the next job with less follow-up.

Orders

eCommerce

Use bank payments for instant payments or repeat customers where percentage fees add up.

Programs

Coaches

Take payment for sessions, packages and workshops using one branded flow clients can understand quickly.

About ShaBaas Pay

What is ShaBaas Pay?

ShaBaas Pay is an Australian payments technology provider that helps businesses and software platforms accept account-to-account and real-time bank payments through PayTo, PayID, payment links, hosted checkout and payment APIs. ShaBaas Pay is operated by ShaBaas Pty Ltd and is not a bank. Live payments require business onboarding; initial signup provides a staging workspace for testing.

Standard successful Pay by Bank payments cost $0.29 incl. GST below $100, or $0.99 incl. GST from $100 to $1,000 inclusive. Collection confirmation and payout to the merchant bank account are separate steps. View current fees and limits.

Real-time payments · PayTo · PayID · Payment links · Payment API · Security

PAY BY BANK

One checkout.
Every way to pay.

Guide customers toward low-cost real-time bank payments while keeping familiar wallets and cards available.


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Illustration showing recurring payments and automated payment confirmations Confirmation and receipts, handled automatically Less admin. More momentum.
AUTOMATED WORKFLOWS

Keep every payment moving with smart follow-up

Send confirmations, digital receipts and updates automatically so your customers stay informed and your team can focus on growth.


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Illustration showing cards, wallets and bank payments as checkout choices Flexible payment choices Cards, wallets and bank payments in one flow
MORE CHOICE

Give customers the payment experience they expect

Keep cards and wallets available for convenience while guiding customers toward lower-cost bank payments that settle faster.


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The Complete Alternative to Traditional Payments

ShaBaas Pay replaces your expensive card gateway with a single, unified checkout.

Billing Icon

Unified Payment Links

Send one link. Your customers choose to pay via low-cost Pay-by-Bank or standard Apple Pay / Google Pay / Cards.

Invoice icon

PayTo vs
direct debit

Compare PayTo and direct debit on settlement speed, control, customer visibility and disputes.

Payment Icon

API for SaaS and platforms

How platforms and software businesses use PayTo APIs for recurring and authorised payments.

FAQ

Questions before you switch

ShaBaas Pay is an Australian real time payment provider for businesses that want to accept bank payments online. Businesses can offer PayTo, PayID, payment links and hosted checkout, or connect through an API. These options can complement card payments while giving customers another way to pay.

Yes. ShaBaas Pay is an Australian real time payment provider that helps businesses accept account-to-account payments using PayTo, PayID and Pay by Bank, with card and wallet options available when needed.

ShaBaas Pay can replace a card-only payment link for many invoice and service-payment use cases. You send one branded link and your client can choose Pay by Bank, Apple Pay, Google Pay or card.

No. The payment experience is designed so the client can open a link and pay through the available checkout options.

Yes. Cards and wallets can remain available for clients who prefer them, while Pay-by-Bank gives you a lower-cost option.

Pay-by-Bank is based on Australian bank payment flows. For PayTo-style payments, customers authorise and manage payment agreements through their own online banking.

Create your business profile, set up your payment page and send your first payment link.

ShaBaas Pay offers PayTo and PayID as account-to-account alternatives to card payments, with low flat fees for eligible payments. PayTo lets customers authorise payment agreements through their own online banking. PayID lets customers transfer money to a registered identifier without a PayTo agreement. From 1 October 2026, surcharging on eftpos, Mastercard and Visa cards will end under the RBA reforms. Offering bank payments can help businesses manage acceptance costs. Actual savings depend on payment values, payment mix and current card fees.

ShaBaas Pay supports business payment operations with payment status tracking, transaction monitoring and Australian customer support. Customers authorise PayTo agreements through their own online banking. Over A$1 million in payments processed demonstrates use by Australian businesses. Payment availability and processing times depend on the payment method, bank and applicable checks.

What People Say

“

I love how simple and efficient ShaBaas Pay is. Getting paid in seconds with minimal fees means more money back into our business.

Mike
“

Love the simple user interface and how instant and easy it is to receive business payments via ShaBaas Pay!

Sylvia, CEO, bMightie Pty Ltd
“

ShaBaas Pay helps us lower costs while staying true to our mission of running a cleaner, greener business.

Jo, CEO, Jovarna Pty Ltd
APAC Best Payment Start-up Innovation 2025
FAQ

Questions before you switch

ShaBaas Pay is an Australian real time payment provider for businesses that want to accept bank payments online. Businesses can offer PayTo, PayID, payment links and hosted checkout, or connect through an API. These options can complement card payments while giving customers another way to pay.

Yes. ShaBaas Pay is an Australian real time payment provider that helps businesses accept account-to-account payments using PayTo, PayID and Pay by Bank, with card and wallet options available when needed.

ShaBaas Pay can replace a card-only payment link for many invoice and service-payment use cases. You send one branded link and your client can choose Pay by Bank, Apple Pay, Google Pay or card.

No. The payment experience is designed so the client can open a link and pay through the available checkout options.

Yes. Cards and wallets can remain available for clients who prefer them, while Pay-by-Bank gives you a lower-cost option.

Pay-by-Bank is based on Australian bank payment flows. For PayTo-style payments, customers authorise and manage payment agreements through their own online banking.

Create your business profile, set up your payment page and send your first payment link.

Get Started