PayMyBillz Pty Ltd (ABN 86 698 675 491) ("PayMyBillz", "we", "us", "our") operates the PayMyBillz platform, a bill payment aggregation service that allows registered users to manage and pay bills from multiple providers in one place. Payment processing services are provided through our payment partner, Zai Australia Pty Ltd (AFSL 527370).
These Terms and Conditions govern your use of the PayMyBillz website at paymybillz.com.au and the PayMyBillz mobile application (together, the "Platform").
To use PayMyBillz you must:
By using the Platform you represent and warrant that you meet these requirements.
You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. You must notify us immediately at support@paymybillz.com.au if you suspect unauthorised access to your account.
We require identity verification before you can add billers or initiate payments. Verification is performed through an accredited third-party provider connected to the Australian Government Document Verification Service (DVS). We may decline to verify or suspend an account where we cannot satisfactorily verify your identity.
PayMyBillz allows you to:
PayMyBillz acts as an intermediary between you and your billers. We do not guarantee that a biller will accept a payment made through the Platform, and we are not responsible for the underlying goods or services supplied by any biller.
Payment execution is subject to the processing times and limits of our payment partner Zai Australia and your financial institution. Same-day payment is not guaranteed.
Our current fee schedule is published in the app at the time of each payment. We will give you at least 14 days' notice of any fee change via in-app notification or email before it takes effect.
Service and transaction fees are non-refundable once a payment has been successfully processed to the biller, except where the payment itself is refunded under Section 6.
6.1 Payment errors. If you believe a payment was processed in error — including a duplicate payment, an incorrect amount, or a payment sent to the wrong biller due to a platform fault — you must notify us as soon as reasonably possible, and in any event within 30 days of the transaction date, through the support channel in the app or at support@paymybillz.com.au.
6.2 Investigation and resolution. We will acknowledge your report within 1 business day and aim to resolve it within 5 business days. Where the error is confirmed as ours, we will refund the affected amount to your nominated account or correct the payment, at our discretion, as soon as practicable. Where funds have already settled to a third-party biller, recovery may depend on that biller's own refund process, and we will assist you in pursuing it but cannot guarantee the outcome.
6.3 Service fees. Any service or transaction fee charged by PayMyBillz is non-refundable once a payment has been successfully processed to the biller, except where the payment itself is refunded under this Section.
6.4 Unauthorised transactions. Claims that a transaction was unauthorised (for example, due to account compromise or fraud) are handled under our Fraud Prevention and Management Policy. Our approach to customer liability for unauthorised transactions follows the principles of the ePayments Code.
6.5 What is not covered. We are not responsible for, and this Section does not cover, disputes about the underlying goods or services billed by a third-party biller, billing amounts set by the biller, or delays caused by the biller's own payment processing.
You must not use PayMyBillz to:
We may suspend or terminate your account and report activity to relevant authorities, including AUSTRAC, where we suspect prohibited use.
All content, trademarks, software, and design elements on the Platform are the property of PayMyBillz Pty Ltd or its licensors. You may not reproduce, distribute, or create derivative works from any part of the Platform without our prior written consent.
To the maximum extent permitted by law, PayMyBillz's liability to you for any loss or damage arising from use of the Platform is limited to the amount of fees you paid to us in the 3 months prior to the event giving rise to the claim.
We are not liable for any indirect, incidental, consequential, or special loss, including loss of profits, data, or opportunity, whether arising in contract, tort, or otherwise.
Nothing in these Terms excludes or limits rights you may have under the Australian Consumer Law, which cannot be excluded.
You may close your account at any time through the app settings. We may suspend or terminate your account with or without notice if you breach these Terms, if we are required to do so by law or our payment partner, or if we decide to discontinue the service.
On termination, your access to the Platform ceases. We will retain records of your transactions as required by applicable law, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).
These Terms are governed by the laws of Victoria, Australia. You agree to submit to the non-exclusive jurisdiction of the courts of Victoria.
We may update these Terms at any time. We will notify you of material changes via email or in-app notification at least 14 days before they take effect. Continued use of the Platform after that date constitutes acceptance of the updated Terms.
For any questions about these Terms, please contact us: