PayID

Accept payments from Australian customers using PayID, the New Payments Platform (NPP) real-time bank transfer scheme. Customers pay directly from their bank app using a simple identifier — no card details required.

PayID is only available for AUD transactions. The customer must have an Australian bank account with PayID enabled. This payment method supports one-time (non-recurring) payments.

Payment flow

Several steps occur between initiating the PayID charge and the payment being confirmed.

We’ll proceed assuming you’ve already set up a customer order. If you need to create one, you’ll find the steps here.

After creating the order, follow these steps to complete the PayID charge:

Encrypt sensitive data within your request.
Redirect the customer to the PayID-hosted payment page to complete the bank transfer.
Confirm the payment and inform the customer of its outcome.

All customer details (name, email, phone, country) are sourced from the order created in the previous step. No additional customer information is required in the pay request.

Combine the order reference and paymentoption. Encrypt the request before sending it to the pay order endpoint.

{
    "reference": "EPCLB-XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX",
    "paymentoption": "PAYID"
}

{
  "data": "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"
}

Upon receiving your request, EPayClub returns a response containing a redirectUrl pointing to the PayID-hosted payment page.

200 OK

{
    "data": {
        "paymentDetail": {
            "redirectUrl": "https://checkout.t365.io/payid?orderId=EPCLB-XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX",
            "recipientAccount": null,
            "paymentReference": "EPCLB-XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX"
        },
        "bankTransferDetails": null,
        "orderPayment": {
            "orderId": 31254,
            "orderPaymentReference": "PGW-PAYREF-C2EDFD88FCE74E89A9C7CC14B34181E8",
            "currency": "AUD",
            "statusId": 2,
            "orderPaymentResponseCode": "02",
            "orderPaymentResponseMessage": "pending-authentication",
            "orderPaymentInstrument": null,
            "remarks": "Order initiated and created successfully",
            "totalAmount": 100.00,
            "fee": 0.00
        }
    },
    "status": "success",
    "statusCode": "02",
    "message": "pending-authentication"
}

Completing the Payment

Redirect the customer to paymentDetail.redirectUrl. The hosted page displays the PayID details and instructions for the customer to complete the bank transfer from their banking app. The customer opens their banking app, selects Pay to PayID, and enters the displayed PayID to initiate the transfer. Once the payment is received and confirmed, EPayClub notifies you via webhook with the final transaction status.

PayID payments typically confirm within seconds on the NPP network, but may take up to a few minutes depending on the customer’s bank.

Verifying the Payment

Read the transaction verification section to learn how to verify your PayID transactions.

Testing your integration

Kindly contact the support team to enable PayID testing on your account.

Follow these guidelines to successfully test your PayID integration:

Use an AUD order currency when creating the order — PayID is only available for AUD transactions.
Set the customer’s country to AU on the order.
Use the test credentials provided by the support team to complete a payment on the hosted page.
Verify the final transaction status using the order verification endpoint or by checking the webhook payload delivered to your configured webhook URL.

Get Started

API Basics

Orders

Payments

Payment flow

Completing the Payment

Verifying the Payment

Testing your integration

​Payment flow

​Completing the Payment

​Verifying the Payment

​Testing your integration

Payment flow

Completing the Payment

Verifying the Payment

Testing your integration