Skip to content

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, Apple Pay or Google PayTM.  Online invoice payments let customers pay how they want to pay.

We've partnered with Stripe to deliver online invoice payments in New Zealand. They've delivered the sign-up process and payment processing and will support you at these stages.

Check out the video to learn how to set up and use online invoice payments.

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 fees: $0.25 per transaction + 2.7% of the total invoice (which you can pass on to your customers through surcharging).

Fees are debited when the customer pays their invoice, so you'll receive the invoice value minus fees. Learn more about online invoice payment 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 (find out why we need this information):

Make sure you have your:

  • Tick

    Mobile phone (for authentication)

  • Tick

    New Zealand Business Number (NZBN) – not mandatory for individuals and sole traders

  • Tick

    Business details

  • Tick

    Business owner and director details

  • Tick

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

  • Tick

    Proof of address — have a utility bill handy

  • Tick

    Bank details to settle the payout.

You can start your online invoice payments application by visiting the onboarding 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.

We'll email you once your application has been approved.

Get set up


It's easy to set up online invoice payments.

  1. Open the sign up website.

  2. Follow the prompts to complete the application.
    To save an application and complete it later, click Save and exit. To resume your application, go to the sign up page and click Continue application powered by stripe.

    Choosing payout account and MYOB categories

    During setup, you'll choose the payout account where you want customer payments to be deposited. You'll also choose the MYOB categories you want to use to keep track of the payment amounts and associated transaction fees. This allows you to easily reconcile your payments. If you're not sure which category to choose, talk to your advisor.

  3. When you've completed the application, click Agree & submit.
    Once the application is submitted, we'll begin the verification process. If more information is required, Stripe will get in touch with you.

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.

What to do once your application is approved


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

Allow online payments option

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, your customers' payments will be automatically recorded in your MYOB business and matched for you.

The auto-matching is based on the ledger categories you chose when you set up online invoice payments, but you can change these if you need to (click the settings menu (⚙️) > Sales settings > Payments tab > Edit preferences).

Sending an invoice


Already sent the invoice? You can still use online invoice payments. Open the invoice, select Allow online payments and resend the invoice.

You can select whether to enable online invoice payments for each individual invoice by selecting the Online payments option.

  1. Create your invoice as you usually do, and select the option Allow online payments.

  2. If you'd like to pass on the 2.7% surcharge for debit card, credit card, Apple Pay and Google Pay payments, and you've set up customer surcharging, select the Surcharge cards and wallets option.

    Select the Surcharge cards and wallets option

  3. Email the invoice to your customer.

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

  5. They can click the Pay Now button to make their payment on the spot.

How the invoice looks to your customers


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

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

If you've activated customer surcharging for this invoice and the customer chooses to pay by credit card, debit card, Apple Pay or Google PayTM, the 2.7% card surcharge will automatically be applied.

Once they've entered their payment details, they 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.

Customers can pay you online — even from a printed invoice

No matter how you invoice your customers, they'll be able to pay you online. So if you prefer to download an invoice as a PDF and email it to your customer – and you've set up online invoice payments – they can still view and pay the invoice online. A QR code is automatically added to your invoice when you print it or export it as a PDF. When the customer scans this QR code using their phone, they can view the online invoice and easily pay it online.

Learn more about Sending an online invoice link to a customer.

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, you just need to deselect the Allow online payments option when you create an invoice.

Deselect Allow online invoice payments option

Can customers pay multiple invoices at once?


Customers 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.

Unpaid invoices list with invoices selected

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

There are two ways they can access this list:  

  • By clicking the link View unpaid invoices emailed to you at the bottom of any invoice emailed to them.

  • Through a reminders email.

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


Waiting for the first payment to appear? It'll take 7 business days to appear in your bank.

Depending on when the payment was made and the bank's processing cut off time, it can take 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.

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

You can also check the Transaction details report (Reporting menu > Reports > Online invoice payments tab) – any paid transactions will have a status of Settled money:

Paid transactions with Settled money status

Learn more about the Transaction details report.

How do I refund an online invoice payment?


Refunds for online invoice payments should only be provided to a cardholder if it's a genuine refund for a sale. The refund must be processed to the same card used in the original sale, and must be in the form of a credit and not via cash or cheque (as per the Online Invoice Payments Terms and Conditions).

To process a refund, contact our payments support team at

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 MYOB Business 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. MYOB Business 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.

What if my payee requests a receipt?


When the payee pays the invoice (using the Pay Now button), they receive an email notification that they have paid. In the online invoice, the Pay Now button changes to View Receipt – they can click this to view or download the receipt.

Why isn't the "Pay now" button appearing on my invoices?


If your customers are reporting that the Pay now button isn't in their online invoices, the reason may depend on how long you've been using online invoicing:

  • If you've just signed up for online invoicing – it's likely Stripe wants more information to verify your identity or business information. You can provide this information: 

    1. Click the settings menu (⚙️) and choose Sales settings.

    2. Click the Payments tab.

    3. In the Invoice payment options section, click Edit preferences to open the Online payments settings page.

    4. Select the Stripe account settings tab. If prompted, sign in to your Stripe account.

    5. Click Update and follow the prompts.

  • If you've been using online invoicing for a while – it's likely online invoicing has been turned off. You can turn it back on: 

    1. Click the settings menu (⚙️) and choose Sales settings.

    2. Click the Payments tab.

    3. In the Invoice payment options section, click Edit preferences to open the Online payments settings page.

    4. Turn on Enable online invoice payments and click Save.

      Enable online invoice payments

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.

How do I change the payment description that shows on my customers' bank statements?


When a customer pays you online, the description that appears on their bank statement is based on information you provided when you set up online invoice payments. Sometimes this shows as your business website – which might not be ideal.

But it's easy to change this description to make it easier for your customers to identify their payments to you.

  1. In your MYOB Business, click the settings menu (⚙️) and choose Sales settings.

  2. Click the Payments tab.

  3. In the Invoice payment options section, click Edit preferences to open the Online payments settings page.

  4. Click the Stripe account settings tab. If prompted, sign in to your Stripe account.

  5. In the Public details section click Edit.

    OIP settings page with areas highlighted
  6. Update the Statement descriptor and the optional Shortened descriptor.

  7. Click Save.