Receive Payments

Accept real-time payments directly from your customers’ bank accounts using Azupay’s Pay by Bank experience.

Built for Australian merchants, this solution enables fast, secure bank-to-bank payments with instant confirmation and no card network involvement.

Pay by Bank App

The Receive Payments capability is powered by the Pay by Bank App, allowing you to collect one-time payments through a hosted or embedded checkout experience.

By integrating with Azupay once via the Payment Request API, you can:

• Generate Payment Requests, providing you with various configurations of PayIDs to suit your use case
• Present a consistent checkout experience
• Receive real-time payment confirmations via webhooks

How It Works

1. Create a Payment Request

   Your system creates a payment request via the Payment Request API, including amount, reference, and customer details.

2. Launch Checkout

   Redirect the customer to Azupay’s hosted checkout or embed it within your application.

3. Customer Makes Payment

   The customer completes the payment using their banking app, making a payment to a PayID Email.

4. Real-Time Settlement

   Funds are transferred instantly to your account via the NPP.

5. Receive Webhook Confirmation

   Azupay sends a webhook event confirming payment status, enabling immediate fulfilment.

sequenceDiagram
    participant MB as Merchant Backend
    participant API as Azupay API
    participant CB as Customer Browser
    participant PBB as Azupay Checkout
    participant BANK as Customer Bank
    participant WH as Webhook Endpoint

    MB->>API: Create Payment Request
    API-->>MB: Payment Request Response (checkoutURL)

    MB->>CB: Redirect to Checkout (or embed iFrame)
    CB->>PBB: Load Checkout Experience

    CB->>BANK: Make payment (PayID / BSB)
    BANK-->>PBB: Payment confirmation

    PBB-->>CB: Show success/failure

    API-->>WH: Send payment status (webhook)
    WH-->>MB: Update order / fulfilment

Why Use Receive Payments

• Real-time settlement
  Funds are received instantly, improving cash flow and reducing reconciliation delays.
• Lower transaction costs
  Eliminate card processing fees with direct bank payments.
• Reduced dispute risk
  Bank-authorised payments significantly reduce chargebacks and fraud exposure.
• Flexible payment options
  Support PayID and traditional bank transfers, configurable within the App.
• Unified checkout experience
  Extend the same integration to support subscriptions and recurring payments.

Who Should Use This