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.

Fraud Enhancement

Secure your revenue with our advanced fraud detection system that automatically blocks suspicious card transactions on hosted pages and payment portal before they occur. Our intelligent screening technology provides robust protection against fraudulent activities across all merchants while maintaining a seamless checkout experience for legitimate customers.

Experience the peace of mind that comes with a payment solution designed with your security as the priority. Set up your protected payment pages in minutes and let our system safeguard your business around the clock.

Payment Portal Configuration

The payment portal was introduced for businesses who wanted a link where their customers are able to pay any amount they want. The complexity of this was that the customers could enter different user details each time and tracking the payments can be difficult.

A new enhancement has been introduce where a link can be given to a customer who is still able to pay the amount they want, but the portal has already loaded them as the customer so all payments will be made to the correct customer. The other enhancement is to allow reference look ups in the payment portal from external ID or customer reference number.

Pay from Specific Customer

To generate a link that allows a specific customer to pay. Use the following link process.

https://hosted.payadvantage.com.au/[clienttoken]/portal?customerref=AAA
https://hosted.payadvantage.com.au/[clienttoken]/portal?bpayrref=AAA
https://hosted.payadvantage.com.au/[clienttoken]/portal?externalid=AAA

Using this link will ensure the correct customer is loaded and will allow them to enter in an amount and description for the payment.

Pay by Reference

To allow this screen to search by BPAY reference, customer reference or external ID.

Go to the “configure payment portal pay by reference” settings under configure payments settings menu item.

The screen below will allow you to select which items you will allow the merchant to search by.

Source and Description in payment API fields

Enhance your payment intelligence with our new geolocation feature for API users. Now every transaction includes precise location data, allowing you to track exactly where payments originate.

This powerful addition enables more detailed analytics, improves your record-keeping capabilities, and provides valuable insights for business decision-making. Leverage this geographic intelligence to better understand your customer base and optimize your payment operations.

Further information is found on the API portal documentation:

https://docs.payadvantage.com.au/changelog/pay-advantage-1060

Enhanced Notification Center

Stay effortlessly informed with our new dedicated Notification Center. We've streamlined your Pay Advantage experience by moving alerts away from the dashboard into an intuitive notification hub.

Look for the bell icon in the top-right corner—it animates when action items require your attention. This thoughtful redesign keeps your dashboard clean while ensuring you never miss important account updates.

The Notification Center prioritizes what matters most, providing clear pathways to address time-sensitive issues with a single click.

Payment Requests Management

Take charge of your payment collection process with our new Payment Request Management screen. This powerful addition transforms how you track and manage customer payments.

Key capabilities include:

• View, edit, or cancel existing payment requests in one centralised location

• Track completed payment requests with comprehensive payment history

• Monitor successful and unsuccessful payment attempts from your customers

• Maintain complete traceability throughout the payment request lifecycle

This enhanced visibility eliminates the previous disconnect between payment requests and actual payments, giving you clear insight into your payment operations.

Payment requests continue to offer your customers flexible payment options while ensuring robust authorization protocols. With built-in security measures, many scenarios qualify for valuable chargeback protection.

Enhanced Fee Ledger Collection

We've refined our fee collection process to better serve merchants using our fee ledger system. Instead of waiting until month-end for fee collection, our new streamlined approach automatically processes debits every 3 days.

This strategic improvement eliminates the previous pain point where failed debits would accumulate until the next monthly cycle, potentially creating unexpected financial burdens.

The more frequent collection schedule ensures:

• More predictable revenue flow

• Smaller, more manageable fee transactions

• Reduced risk of large accumulated charges

• Greater financial visibility throughout the month

This enhancement demonstrates our commitment to developing features that support your business's financial stability and planning capabilities.

PayTo with PayID

PayTo is Australia's newest digital payment solution that simplifies bank-to-bank transfers. You can initiate payment requests using either traditional BSB and Account numbers or modern PayID identifiers like phone numbers or email addresses. When you create a payment request, the customer receives a notification from their bank which can be approved through their banking portal. Once authorized, Pay Advantage processes the debit from their bank account.

Benefits

• Enjoy significantly lower processing fees compared to credit card transactions

• Eliminate the risk of fraud-related chargebacks

• Receive funds directly into your account within one business day

Submit Feature Requests

Help shape the future of Pay Advantage! Suggest new features and improvements you'd love to see. Just go to Help > Feedback in the menu to view past release notes, submit your ideas, and vote on the features that matter most to you.

Direct Debit management

The Direct Debit interface has been redesigned into two dedicated screens for improved efficiency. This update reflects our analysis of user behavior, which showed that quick access to Direct Debit records is often the immediate priority. The new layout allows administrators to handle urgent searches instantly while managing other Direct Debits requiring actions at their convenience.

Adding a new customer payment account

Streamline your customer onboarding by securely capturing payment credentials directly within Pay Advantage when they sign up for your service. Whether collecting credit card or bank account details, you can safely store this sensitive information for future transactions. This eliminates the need to handle payment data in potentially vulnerable environments, as Pay Advantage provides enterprise-grade security for all stored payment information.

😲 All new dashboard 😲

Streamline your customer onboarding by securely capturing payment credentials directly within Pay Advantage when they sign up for your service. Whether collecting credit card or bank account details, you can safely store this sensitive information for future transactions. This eliminates the need to handle payment data in potentially vulnerable environments, as Pay Advantage provides enterprise-grade security for all stored payment information.

The dashboard will be rolled out incrementally over the next month.

Menu Restructure

As we’ve grown, we’ve refined the menu to improve navigation and provide quicker access to essential tools. We've also reorganized menu items into more logical locations for a smoother experience. Here’s a breakdown of the new menu changes.

The Pay Advantage mobile app will soon be available on the Apple and Google app stores. The app is currently in BETA testing to ensure we have everything working correctly.

This app allows for easy access to your payments, it provides push notifications when you are paid from payment requests and its has enhanced security to keep your transactions safe.