The reform is real and it is close. What it does not do is make anyone pay their invoice faster.
From 1 October, surcharges on eftpos, Visa and Mastercard debit and credit are banned.
Whatever you were passing on now comes out of margin — about $11.50 on every $1,000 you take by card, at a typical bank rate. What used to be the customer's problem is now a line in your P&L.
The invoice still goes out. The customer still pays whenever they feel like it. Someone still matches the deposit to the invoice by hand at month end.
No new bookkeeping, no export, no second system to keep in step. Send the invoice however you send it today — the pay link rides along with it.
pay.yourbusiness.com.au — your logo, your colours, your name in the address bar. Card details go straight to the payment gateway; they never touch your systems, or ours.
The payment is recorded against the invoice the moment it clears. No CSV, no manual matching, no month-end archaeology working out which deposit was which.
Not from the link. Not from the page. Not from anything the customer's browser sends us. When a payment link is opened we ask your accounting system what is owed right then, and that is the only number we will charge. A tampered link cannot overcharge your customer. A stale one cannot undercharge you.
The merchant facility is yours. Card payments settle from your own bank into your own account, on whatever terms you have with them. getpaid.link never touches the money and never holds a balance — so it can never sit on your funds, hold a reserve against them, or decide you have to wait.
Typically two business days — four when a weekend gets in the way. It holds your money in the meantime, and it decides when the wait ends.
Your bank settles on your terms — the majors offer same day, seven days a week, if you have it switched on. The Friday job does not wait until Tuesday.
The domain is yours. The header is yours. The receipt has your trading name on it and your ABN at the bottom. We appear once, in grey, at the foot of the page — and that is the whole of our presence.
Which matters more than it sounds. A customer who lands on a payment page branded by a company they have never heard of is a customer who picks up the phone to check it is not a scam, and pays a fortnight later than they would have.
Get a payment link live on your own domain before 30 September, and start the change with something to show for it rather than a smaller margin.