What is Pay On Demand™ and how does it work?

What it is

Pay On Demand™ is our unique service that lets you access your pay when you need it most. Think...a flat tyre, an unexpected bill, a life upgrade (like the new pair of shoes you’ve been putting off!) or a top-up for the weekend. We’re here to put you in control of your money with instant access to your wages. 

We also equip you with real-time spending insights and a budgeting tool so you can have the peace of mind knowing you’re fully in control!   

How it works 

You can access up to $1000 of your wages through our Pay On Demand™ service using the Beforepay app. All you have to do is…

  1. Download the Beforepay app and set up your account by linking the bank account that your salary is paid into.
  2. Tap on the Cash Out lightning bolt icon and follow the prompts to verify your identity. 
  3. Tap the Cash Out button and see the funds appear in your account in seconds!

After setting up your account, every Cash Out is as simple as a tap of a button.

How to make a repayment

We’re all about making your life easier, so we have automatic repayments set up to deduct the amount you Cashed Out + a 5% transaction fee the next time you’re paid. This is a fixed, flat fee. We do not charge any interest or other ongoing fees. 

Your repayment schedule is based on the option you select when you Cash Out. 

We also offer flexible repayment options to suit you, with the option to ‘Repay early’ or ‘Delay repayment’ available in the app. (Note: You can only delay your repayments once per Cash Out). 

Please note it can take up to 2 business days for your bank to settle your repayment with our system. 

Tip: Your financial wellness is our top priority. That’s why we make sure you pay off any outstanding amounts in full before you can Cash Out again. So the sooner you make your repayment, the sooner you can enjoy your Pay On Demand™! 

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