Receipt New Design

We've updated the payment receipt page to improve readability and make key payment information easier to access.

What's changed

Updated receipt layout

The payment amount, status, customer, and payment date now appear together at the top of the receipt page for quicker visibility.

Customer quick access

The customer name on the receipt is now clickable, allowing you to quickly open the customer profile.

Payment-specific receipt sections

Receipt information has been reorganised to better reflect the payment method used.

Some payment methods may display different transaction details depending on the information available.

Improved navigation from lists

When returning from a receipt back to a list view, the previously selected row is now highlighted so you can easily identify where you came from.

Payment request on-charge editing

You can now enable or disable the on-charge fee when editing a payment request.

We’ve also added edit history tracking for payment request amount, description, and on-charge changes.

Note: the on-charge value is locked in when the hosted payment page is first loaded by the customer. Any changes made after the page has loaded will not apply to that payment session.

Customer Signed Digital Agreements / Terms and Conditions

You can now upload and ensure customers sign a Digital Agreement (e.g. Terms & Conditions) before they complete their Direct Debit Requests.

• A new section in your Portal allows uploading a PDF version of the Digital Agreement you need your customers to sign before starting their contract

• Each uploaded document requires a name to ensure a clear record of what customers agreed to on a specific date:

• During authorisation:

  • Customers must explicitly accept the Terms & Conditions via a mandatory checkbox

  • A modal allows users to view the full document before accepting

• After an authorisation is accepted, in your merchant portal you be able to view:

  • The specific version of T&Cs accepted

  • The date of acceptance

    

Bulk Payment Support for Repeating Invoices in Xero

Repeating invoices from Xero are now clearly identified and easier to manage within the platform.

• They are clearly identified in the Xero Invoices list with a dedicated icon

• A new “Edit Repeating Invoice” option has been added to the invoice dropdown menu

• Users can now filter/select repeating invoices more easily via a dedicated selection option to allow paying repeating invoice with one simple click

Enhanced Fraud Protection & Security Visibility

We've added new safeguards in the Customer Portal to help protect your business from fraudulent payment activity.

• Custom Links and Pay Any Amount pages are now monitored for suspicious patterns, with automated checks that step in only when clear signs of fraud are detected.

• This change doesn't extend to Payment Requests or Direct Debit (DDR) authorisations, which already have dedicated safeguards.

• In the rare event a check is triggered, you'll see the current status in your payment portal settings. Most resolve automatically within 24 hours, and our support team is on hand if you'd like a quicker review.

Improved Security Visibility

2FA challenge activity is now recorded on the user record, giving you a clearer view of sign-in attempts across your account.

Allow a customer to be set to inactive once all DDR’s are completed

Customers can now be marked as inactive once all associated Direct Debit Requests (DDRs) are completed or cancelled, improving housekeeping and filtering in the system.

• A customer cannot be set to inactive if they have any DDRs in Draft, Authorising, Pending, or Active status

• Customers with only completed or cancelled DDRs can now be made inactive

• Inactive customers are excluded from default selection when creating new payments or DDRs

Pay Xero Invoices in Bulk

Managing invoices is now faster and easier! You can bulk pay Xero invoices directly from the invoice screen using your default customer payment account.

Key Features:

• Select multiple invoices at once with checkboxes or “Select All” per page

• Pay Selected Invoices button for bulk payment processing

• Payment Method Column: See the last 4 digits of the default card used for payment

• Invoice Status Tags:

  • Paid – payment completed successfully

• Only invoices with a valid card can be selected

• Email receipts are sent using the existing system

Process:

1. Select the invoices you want to pay (or use “Select All” for the current page)

2. Click Pay Selected Invoices

3. Confirm your action in the confirmation popup

4. A dialog box appears with a progress bar while payments are processed

5. Status updates to Paid or Failed once the payment has tried processing

This update makes invoice management quicker, simpler, and more efficient.

Standard direct debit credit card charges apply to bulk Xero payment processing.

Merchant branding in Xero

The Xero setup process has been simplified. When connecting your Pay Advantage account to Xero, the branding and Pay Now button on invoices will be automatically created.

Add address to quick create on customers

You can now add a customer address directly when creating a customer in the VT slider.
The address field supports:

• Google address auto-populate for faster, more accurate entry

• Manual address entry when needed

  

Customers Can Save Payment Accounts for Faster Checkout

Customers can now save their payment details when paying through a payment request link, a Xero invoice, or your payment portal.

Once saved, the next time they make a payment they can simply select their saved account, complete a quick 2FA verification, and pay without re-entering their card details.

This makes repeat payments faster and more convenient for customers.

Customers remain in full control of their saved payment details and can choose whether or not to store them.

Note: This feature does not affect existing direct debit functionality.

Xero error information

Xero and Pay Advantage sync errors now have information about the customer and the payment that was unable to sync. This allows you to fix the error in Xero to allow the synchronization to resume without any difficult analysis.

Edit screen for Payment requests

You can now edit an existing Payment Request without generating a new link. This makes it easier to correct details and avoids confusing customers with multiple payment links.

What’s New:

You can now open an active Payment Request and update key details directly from an Edit screen. This screen looks similar to the original creation page and allows you to adjust:

• Description

• Amount

• Attached Credit Card

  

Duplicate (COPY) payment request

You can now quickly create a new payment based on an existing Payment Request. This feature pre-populates key details, reducing manual entry and speeding up the payment process.

What’s New:

• Duplicate Payment Button: A new “Duplicate” button is available on the Payment Request slider.

• Pre-populated Fields: Clicking the button opens the Virtual Terminal starting at the customer selection screen, with:

  • The amount from the original request

  • The description from the original request

Merge Payment Portal URL and Subdomain Sections

Consolidated Payment Portal URL and subdomain management into a single section in Configure Payments; the displayed URL automatically uses the subdomain when one is active. 

Payment Request History

Completed or failed payment requests now include a detailed history of payment attempts. This helps you see if a customer tried to pay multiple times and makes it much easier to explain the payment activity to your customers.

Easily Switch Between Production and Sandbox

You can now easily switch between your Live (Production) and Sandbox (Test) environments, all while using your same Production login.

This update makes it simple to:

• Test and explore safely in Sandbox before going live

• Use your Production credentials to log into Sandbox, no separate account/login needed

• Keep your user settings and data in sync between environments

• Instantly recognise which environment you’re in, with clear Sandbox colouring and labels

No need to manage separate logins or accounts — just switch, test, and return to Production anytime.

Select Test Payment Methods in Test Environment (Sandbox)

Sandbox users can now choose from pre-configured test credit cards and bank accounts to simulate different payment scenarios directly in the Virtual Terminal.

Key Benefits:

• Quickly test different payment outcomes (success, failure, or error scenarios) without manually entering card or bank details.

• Selection automatically populates the payment form with the chosen test details.

• A clear banner indicates that you are in a test environment to avoid confusion.

• Dropdown and test data appear only in the Sandbox environment; production is unaffected.

New Pay Advantage Website

Updated Support Chat

A new chat feature is now available in the Help section to assist you with any issues.

Custom Payment Link Generator

Use this feature to create customised payment links that can be shared or embedded on your website. These links allow customers to pay for a product or service directly through your branded payment portal.

You can also learn how to dynamically generate these links — perfect for developers who want to automate link creation based on customer or product data.

Key Benefits:

• Generate reusable payment links by entering customer information or just an amount and description.

• Supports all key fields including: First Name, Last Name, Amount, Description, Payment Ref, Customer Ref, External ID, Business Name, Email, and Phone.

• Links can be secured with a hash, making them tamper-proof for safer transactions.

• Automatically generates a QR code for easy sharing alongside the payment link.

• Simple API integration available for creating links and QR codes programmatically.

• Past links are visible in a table showing the most recent 10 links, making management and reuse easy.

Note:
Custom Payment Links are different from Payment Requests.

• Payment Requests are created through the Virtual Terminal.

• They are trackable within your account.

• They are automatically marked as completed once payment is received.

Custom Payment Links, by contrast, are static or dynamically generated URLs that don’t automatically track the individual payment status — ideal for general payments or online checkout scenarios.

PayID Payments

PayID is a new payment method that allows your customers to pay you instantly using just an email address - no need to share bank account details or use credit cards. It's a secure, real-time payment system that works directly through your customer's online banking or mobile banking app.

To enable PayID on checkout or payment requests, please reach out to our support team for enablement.

For more information: What’s PayID article ?

CustomerCode is searchable

Customer code search functionality across customer, admin, and merchant admin screens.

Add a button to add a card to a payment request

Added the ability to attach a Customer Payment Account (CPA) to an existing Payment Request.
Previously, a CPA could only be linked when creating a new Payment Request.
With this update, a new button now allows you to attach a CPA even after the Payment Request has been created.

Expose the Payment Status through API and allow filtering based on status id

The API now includes the payment status in its response when a request is made. This is an attribute called status on the payment API call.

Refer to the documentation here:

https://docs.payadvantage.com.au/docs/payment-statuses

Verify Switch - Customer Payment Account

Enables merchants to decide whether to verify a customer’s payment card during account setup, supporting PCI-DSS compliance.

What’s new:

• Added a “Verify Card” toggle when adding a Customer Payment Account.

• The toggle lets the merchant choose whether card verification is performed.

• If the toggle is changed after the credit card iframe has been initialised, the iframe will re-initialise to reflect the new setting.

• The toggle label clearly states:

  Verify Card – A fee is associated with card verification

Block Customer Creation - Hosted pages and Payment Portal

Adds a merchant-controlled setting to prevent the creation of new customers via Hosted Pages or the Payment Portal. This addresses merchant requests to stop customers from creating their own records from malformed or unauthorised links.

How it works:

• New Setting: Found in the Hosted Pages section of merchant settings.

• When enabled:

  • Hosted Pages and the Payment Portal will only process payments against existing customers (identified by External ID, Customer Reference Number, or BPAY Number).

  • No new customer records will be created.

  • If someone attempts a payment that would require creating a new customer, they will see:

    “Sorry, this merchant is unable to take payments in this way. Please contact the merchant.”

• When disabled: Current behaviour remains – new customers can be created if required.

• Customer updates still allowed: Existing customers without required details (e.g., email/mobile) will be prompted to update them before proceeding.

• Xero integration unaffected: Payments and links for Xero customers continue to work.

🚀 Introducing the New Pay Advantage Mobile App – Now on iOS & Android!

We’ve just officially launched the mobile app you’ve been waiting for – packed with all the Pay Advantage features you know and love, now in your pocket.

Whether you're on the road, in-store, or at home, our new app gives you instant access to everything you need:

• 💸 Real-time push notifications for payments and settlements – know the moment a payment is made through your hosted page or payment link.

• 💰 Start your day with confidence – get alerted every morning with what’s landing in your bank account with settlement push notifications.

• ⚡ Quick actions, simplified – with an intuitive menu, you’re just a tap away from creating a payment, checking your dashboard, managing customers, setting up direct debits, or sending a payment request.

Simple. Fast. Powerful.

Download the app today on iOS and Android. We already have 576 installs of the app already!

Update to the notifications page

We've updated notification settings to make it easier for you to choose the email and push notifications you want to receive.

QR Code with the Pay Advantage logo

Custom Fields Enhancement

PayAdvantage is enhancing how custom fields work for customer records. Previously, custom information such as department, type, or total spent could be submitted but not retrieved via the API, and only visible in the UI.

With this update, you can now view, add, and update custom field values via the API. This data will appear when retrieving customer or payment details, making it easier for merchants to track the information that matters most.

In the app, custom fields now display their actual names, no more confusing labels like “Custom Field 1.”

For more information, go to the Customer Field page.

Resend Change Payment Link

Change Payment Account links are sent out without any reminders if they are not followed. This implements reminders to be sent out. 

Allow searching by Webhook Code

Webhook searches now support searching by webhook code, allowing you to quickly find and resend specific events when troubleshooting.