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Online invoice payments

Online invoice payments is a secure payment service that gives your customers an easier and faster way to pay you. Customers can pay online using their VISA, MasterCard, AMEX, BPAY, Apple Pay, Google PayTM or PayPal. Let customers pay how they want to pay.

Here's a quick overview:

Why use online invoice payments?

  • Get paid faster – the sooner a customer receives an invoice, the quicker they can pay you. Also, the Pay now button in the invoice makes payment quicker and easier with multiple payment options.

  • Better security – online invoice payments use several layers of protection to identify fraudulent behaviour.

  • More ways to get invoices in front of customers – along with emailing your invoices, choose to send an invoice link via SMS.

  • Easier reconciliation – online payments and fees are handled automatically so you don't need to manually record anything. Less data entry means fewer errors and more time for you to run your business.

  • Instant customer receipts – when a customer makes an online payment, they'll receive a confirmation email and can also view a receipt from their online invoice.

Fees and charges

There are no setup or cancellation fees with online invoice payments, but there is a transaction fee that will apply to all payments made online.

Transaction fee: $0.25 per transaction + 1.8% of the total invoice (which you can pass on to your customers through surcharging, excluding BPAY).

Fees are debited when the customer pays their invoice, so you'll receive the invoice value minus fees. Learn more about the fees and charges.

Apply now

It's easy to get set up with online invoice payments, just make sure you have the following information ready:

Make sure you have your:

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    Australian Business Number (ABN)

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    Business trading and sales details

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    Proof of identity — have your driver's licence or passport handy

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    Bank details for the account into which your customer payments (minus fees) will be deposited

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    Estimates of total annual sales in dollars and number of online invoice transactions per month (see your Sales reports).

You can start your online invoice payments application by visiting this website, or from within MYOB by following the steps in 'Get set up' below.

We'll step you through the application and ask you a few simple questions so that we can verify your business and account details to make sure that your information is kept safe and secure.

Get set up


It's easy to set up online invoice payments — you can do this when you're entering an invoice.

You can also set up online invoice payments from the Setup menu > Preferences > Emailing tab > Get set up button.

  1. Click the the Online Invoice Payments button in the Sales command centre:

  2. Follow the prompts to complete the application:

    1. Business Details – enter details like your ABN, business name and industry. This is to help confirm and protect the information provided.

    2. Business Address – enter the registered office address of your business. The is where all communications and notices to the company are sent. It can be different to the trading address or principal place of business.

    3. Cashflow Estimates – enter estimates of annual sales turnover, the number of invoices you send a month and the percentage of deposits taken on invoices. If you're a new business, enter forecasts of these figures.

    4. Bank Details – enter the details of the settlement bank account and the account MYOB will direct debit transaction fees from. If there are other authorisers for the direct debit account, you'll need to provide their details.

    5. Verify Owners – enter the email address and mobile number of the beneficial owner(s). They’ll be contacted by email to verify their identity. If they are not listed you can add them.

    6. Verify Applicant – enter details from your driver's licence or passport.

    7. Review and Confirm – check over the details you’ve entered and agree to the terms and conditions.

  3. When you've completed the application, click Submit application.

Once the application is submitted, we'll begin the verification process. If more information is required, we'll get in touch with you within two business days.

Application status. Once your application is successful, you'll receive an email from us letting you know you're ready to use online invoice payments. You'll then need to choose the MYOB account that your customers' online payments will be settled into – see 'What to do once your application is approved' below.

What to do once your application is approved


Once your application is approved, all new invoices will have the Online payments option selected by default.

Online invoice payments option automatically selected in a sale

For existing open invoices, you’ll need to resend the invoice, so the customer can see their online payment options.

If you use bank feeds or import bank statements, you can set up AccountRight to automatically reconcile your invoice payments to your bank feed to save time on admin. To do this, you need to choose the AccountRight account to record online invoice payments:

  1. Go to the Sales command centre and click Online Invoice Payments to open Online payments settings in a browser.

    Online Invoice Payments button highlighted

  2. Choose the Ledger account to record payments.

    Online payment settings

  3. If you want to pass on credit card surcharges to your customers, select this option and choose the MYOB account for recording your online invoice payment fees and charges. Learn more about Customer surcharging for online payments.

  4. Click Save.

    After you've set up Online Invoice Payments, you have the option to switch on online invoice payments when you import invoices. See Importing data

Sending an invoice


You can select whether to enable online invoice payments for each individual invoice by selecting the Online payments option (as seen below).

  1. Create your invoice as you usually do. Need a refresher?

  2. Select the Online payments option shown below.

    Online payments option in invoice

  3. If you'd like to pass on the 1.8% surcharge for debit and credit card payments, and you've set up customer surcharging, select the Surcharge cards and wallets option.

    Surcharge cards and wallets option

    You're not able to pass on the surcharge for BPAY payments yet.

  4. Click Send To and choose Email.

  5. Check the details of the email and update if required.

  6. (Optional) Click Attach to select an additional file to attach to the email.

  7. (Optional) Click To if you have additional email addresses in a contact's card in a contact’s card which you want to use. Or type email addresses directly into the To field, separated by semi-colons (;).

  8. (Optional) Send a link to the online invoice via an SMS message*:

    SMS is only available when you email an online invoice payments-enabled invoice using AccountRight's email service. It's not available when you email invoices via Microsoft Outlook.

    1. Select the Send SMS option.

    2. Choose the customer's Mobile number (if it has been entered into the customer's card), or enter a valid mobile number here.

      Email an online invoice from AccountRight with SMS option selected

      If you key in an SMS number, it won't be added to the customer's card. You'll need to update the customer if you want to retain this number.

  9. When you're ready, click Send.

  10. Your customer clicks the automatically generated link that’s in the email or SMS message they receive, and their full invoice will appear online.

  11. They can click the Pay now button to make their payment on the spot.

    If you'd like to avoid paying a surcharge for a large invoice, you can remove the online payment option from that particular invoice. Just deselect the Online payments option when creating the invoice.

    Online payments option deselected

    See Deactivating online payments for more information.

* SMS is provided by a third party service, SMS Global (read their Terms and Conditions). SMS is included as part of Online Invoice Payments – you don't need to sign up to SMS Global separately.

How the invoice looks to your customers


The customer will receive an online invoice email as they normally would. However, with the online invoice payments option enabled, they'll see a Pay now button.

Pay now button in invoice

When they click Pay now, they'll be asked to select their payment method.

Select payment method

If you've activated customer surcharging for this invoice and the customer chooses to pay by credit or debit card, the 1.8% card surcharge will automatically be applied.

Once they've entered their payment details, they click Pay.

Enter payment details then click Pay

You'll only be charged after the customer's payment has been processed.

When a customer pays you


When a customer makes an online payment, the fees will be deducted from their payment and the balance will be settled into your nominated bank account.

The payment will be automatically recorded in your MYOB software and the associated invoice will be closed off. Both you and the customer will receive an email confirmation about the payment.

Learn how your MYOB software handles online invoice payments and how to troubleshoot any issues.

Google Pay is a trademark of Google LLC.


Can I disable online payments for one invoice?


You can remove your customer's option to make online invoice payments by deselecting the Online payments option when creating an invoice.

Online payments option deselected

Can customers pay multiple invoices at once?


If you send customers emails from AccountRight, they can pay multiple invoices in one go through their list of unpaid invoices. All they need to do is select the invoices they wish to pay and click the Pay invoices button below.  

Pay invoices from unpaid invoices list

The total amount of invoices selected cannot exceed $99,999.

They can access the list of their unpaid invoices in a number of ways:

  • From invoices using Online Invoice Payments emailed from AccountRight, (this feature isn't yet available for those sent via Microsoft Outlook):

    Pay now button in invoice
  • Through their monthly statement of unpaid invoices

    Statement of unpaid invoices

  • Through a reminders email.

How long does it take for a payment to appear in my bank account?


Depending on when the payment was made and the bank's processing cut off time, it can take between 1 and 2 business days for the payment to appear in your bank account.

We'll email you as soon as the customer has paid the invoice, so you'll know when you can expect the money in your bank. 

Payment notification email

The payee also receives an email confirming that they've paid.

You can also check the Transaction details report:

  1. Go to the Reports menu and choose Index to Reports.

  2. Click the Sales tab.

  3. In the Online invoice payments section, click View reports then click Display Report. The report displays in a web browser.

  4. On the Reports page, click Transaction details to open the Transaction details report.
    Any paid transactions will have a status of Settled money:

    Transaction details report

Can a customer part-pay an invoice?


Unfortunately, no. Online Invoice Payments only allows for full payment to be made on an online invoice – partial payments are not able to be recorded.

If you have an invoice that requires deposits or multiple payments, you should set these payments up as multiple invoices in AccountRight and send them to the customer so they can pay those invoices individually.

If the amount the customer will pay each time is the same, you can save yourself some effort by setting up a recurring invoice. AccountRight will automatically create as many invoices you want according to a schedule you choose – you then just need to send each invoice to the customer. Find out more about Recurring transactions.

Can I change the SMS message text?


No, the SMS message template is fixed and can't be changed.

Can I send an invoice SMS without sending an email?


No, an SMS message can only be sent when you send an email for an online invoice payments-enabled invoice using AccountRight's email service (not via Microsoft Outlook).

Can I send multiple invoice SMS messages at a time?


No, you can only send SMS message for a single invoice at a time.

You can resend an email and SMS for an invoice – go to the Sales command centre > Sales Register > Open Invoices, click the number of the invoice you want to message and click Send to > Email.... Refer to the steps in 'Sending an invoice', above.

Why has the "Pay now" button disappeared from my invoices?


If your customers have told you they can no longer see the Pay now button in their online invoices, it might be related to some recent communications we sent about completing some additional business verification requirements for online invoice payments.

If you didn't provide the required information, your online invoice payment service may have been terminated. If you want to continue providing your customers the means to pay you online, you'll need to reapply for online invoice payments.

For all the details see Online invoice payments termination.

Also, the Pay now button will be missing if the invoice is set as a recurring transaction.

Why are some payment options not available?


Depending on the nature of your business, some Online Invoice Payments payment options may not be available due to certain eligibility criteria.

PayPal FAQs

How do I make PayPal available for my customers?


Once you set up Online Invoice Payments, PayPal (and PayPal Pay in 4) is automatically one of the payment options your customers have, there is nothing additional you need to do.

Will PayPal be available for all merchants?


PayPal will be available for most merchants. However, it's not available for these business and transaction types:

  • Non-profit

  • Gambling

  • Security Brokers/Dealers

  • Foreign Currency, Money Orders

  • Stored Value Cards

Do I need a PayPal account to accept PayPal payments?


No, you don't need a PayPal account, only your customers do.

Can I turn on customer surcharging for PayPal?


Yes, you have the option to pass on surcharging fees associated with online invoice payments to customers paying with PayPal. You can turn on customer surcharging for an invoice or all invoices for PayPal, just as you can for any other payment method (except BPAY).

The surcharge will appear as ‘Handling’ in the payer's PayPal wallet.

Can I have Online Invoice Payments funds settled into my PayPal wallet?


No. If you have a PayPal account, you're not able to have Online Invoice Payment funds settled into it. Payments can only be settled into the settlement bank account you nominated when you applied for Online Invoice Payments.

Why is MYOB shown as the merchant in my payers' notification emails and PayPal account?


As MYOB is the master merchant for PayPal Online Invoice Payments, MYOB will be displayed as the merchant name in the email payment notification and viewing transactions from the PayPal account. Your trading name appears in the bank statement and in an automated email receipt the payer receives from MYOB.