Now live in Australia

Get paid.On your terms.

Accounts receivable for Australian businesses that invoice. Your customer approves and pays in one action, so your invoice stops waiting for their next payment run.

Talk to us See how it works

Approved once, paid on the day, in your account in seconds rather than three business days.

A small business owner at the counter of her studio, reading her laptop with a coffee in hand
Sent Day 00

The term is agreed. The date is not.

Thirty days is an agreement, and most of your customers keep it. What was never agreed is which day. Day 20 and day 45 sit inside the same account, and you find out which one afterwards.

Across Australian business the average payment term is 29 days and the average payment time is 27.2 days. Most customers pay inside the term. The trouble is that inside the term is a three week window.

Source: Payment Times Reporting Scheme, Cycle 10, August 2026.

The answer

The invoice goes out as something your customer can act on the moment they have reviewed it, rather than a PDF that waits for a decision to be made somewhere else.

Owed Day 30

Your invoice is waiting for a payment run, not for a decision.

Your customer is not sitting on your money. They are batching it. Paying one invoice by hand means the BSB, the account number, the amount and the reference, checked twice. Nobody does that forty times a week, so it happens once a fortnight, and your invoice waits for the run.

The answer

Approve one, pay one. No BSB, no reference, no payment run. Reviewing the invoice and paying it become the same action, so there is no reason left to hold it back.

  1. Step 1

    Send

    Send your claim as a Request to Pay.

  2. Step 2

    They approve

    One tap. They see the line items before they agree.

  3. Step 3

    Paid

    Funds land in your bank account in real time.

Real-time payments powered by PayTo

Late Day 55

The date passed, and asking again is the only tool.

There is no penalty you would enforce on a customer you want to keep. So it is the statement, then the reminder, then the phone call you have been putting off. Unpaid admin, out of the hours you could be billing.

One in twenty invoices to Australian small business is still unpaid at 55 days.

Source: Payment Times Reporting Scheme, Cycle 10, August 2026.

The answer

You can see which invoices have been approved and which have not, so you chase the two that need it instead of the twenty you cannot see.

From 1 October you cannot surcharge it away

A card fee is a percentage. Ours starts at $1.20 and stops at $5.00.

On a $300 invoice a credit card costs you around $3. FUNDiMO costs $1.20 including GST. The bigger the invoice, the bigger the gap, because our fee stops and theirs does not.

See what it costs
What it costs on a $300 invoice
FUNDiMO$1.20
Free bank transferYour time
Card paymentapproximately $3
Invoice finance at 3 percent$9

0.4 percent per transaction. Minimum $1.20. Capped at $5.00 including GST.

No card rails means no card data.

There is nothing to store and nothing to leak.

Australian owned.

Built on the Sunshine Coast.

FinTech Australia member 2026 ABN 87 688 761 015
Where we are

Live today.

Real-time payment requests over PayTo. Virtual account deposits. Payments straight into your bank account.

Next.

Your receivables in one place. Xero. More ways for your customer to pay.

We would rather tell you what is coming than pretend it has arrived. If you invoice for a living, talk to us and help shape it.

Questions we get asked

How do I get an invoice paid faster?

Send it as a request your customer can act on instead of a PDF with a due date on it. Your customer reviews it, approves it, and the payment moves to your account in seconds. The date stops being a guess.

What can I do about a customer who always pays late?

Most late payment is a payment run, not a decision. Paying one invoice by hand means the BSB, the account number, the amount and the reference, so it waits for the fortnightly batch. When approving and paying are one action there is no run to wait for.

How do I know which invoices are actually going to be paid?

You can see which claims your customer has approved and which are still waiting. That is visibility, not automation: FUNDiMO does not send reminders for you, it shows you the two claims that need a call instead of the twenty you cannot see.

Is this a loan or invoice finance?

No. FUNDiMO does not advance money or buy your invoice at a discount. Your customer pays you, from their bank account into yours, and you keep all of it.

What is PayTo, and does my customer need it?

PayTo is Australia's real-time account-to-account payment network, run by Australian Payments Plus. Your customer approves a PayTo agreement with their own bank, in their own banking app, and FUNDiMO sends each claim against that agreement for them to approve.

Does my customer have to sign up?

Yes. Your customer creates a FUNDiMO account and, the first time, approves a PayTo agreement with their own bank in their banking app. After that, paying a claim is one approval. Paying without an account is being built and is not ready yet.

How much does it cost?

0.4 percent per transaction, with a minimum of $1.20 and a cap of $5.00 including GST. A $5,000 invoice costs you $5.00.

Does it work with Xero?

Not yet. Xero is next on our list.

Is this the same as the reminders Xero already sends?

No. Xero reminds. It does not carry the payment, so for your customer the reminder and the paying are still two separate jobs. FUNDiMO makes reviewing the claim and paying it the same action.

Is there a limit on how much I can be paid?

Banks set their own ceiling on a PayTo agreement, typically between $10,000 and $25,000. Larger claims use a deposit path: your customer transfers to a virtual account number issued for the claim, and the payment is matched to it when it lands.

How do I know the money is safe?

The payment settles into your own bank account, and your business is the payee at every step. There are no card rails, so there is no card data to store and nothing to leak.

Get paid. On your terms.

Get started