Beforepay
$25 est.
- Model
- Consumer-direct
- Employee fee
- 5% flat
- Interest
- None
- Max advance
- Up to $2,000
- Repayment term
- Up to 62 days (4 instalments)
- Cost of advance
- $25
Beforepay
ASX-listed consumer-direct app offering up to $2,000 with a flat 5% fee and no interest.
- Model
- Consumer-direct
- Max advance
- Up to $2,000
- Interest
- None
- App (iOS)
- 4.6 / 5
Best for
Best for employees wanting no-interest pay advances
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Setup fee
- Free
Contract terms
- Contract length
- No contract
Last verified 21 May 2026.
Strengths and trade-offs
Pros
- Flat 5% fee with no interest
- Predictable, transparent cost
- Up to four instalments over 62 days
- No employer involvement
Cons
- 5% flat fee is still a high effective short-term rate
- Eligibility depends on bank transaction history
- Advance capped at $2,000
About Beforepay
Beforepay is an ASX-listed Australian pay advance app that gives employees access to up to $2,000 of earned wages early. It charges a flat 5% fee per advance and no interest, so the cost is predictable (for example $10 on a $200 advance). Repayments are deducted automatically from the next pay across up to four instalments over a maximum of 62 days. Beforepay uses transaction-data analysis for eligibility and requires no employer involvement. It operates under an ASIC Credit Licence.
Beforepay was founded in 2019 and is headquartered in Sydney, Australia.
How Beforepay compares
Side-by-side with the closest alternatives by estimated cost.
Based on a $500 advance repaid in 7 days.
MyPayNow
$27 est.
- Model
- Consumer-direct
- Employee fee
- 5% of advance
- Interest
- 24% p.a.
- Max advance
- Up to $2,000 (25% of wages)
- Repayment term
- Up to 62 days
- Cost of advance
- $27
Wagepay
$27 est.
- Model
- Consumer-direct
- Employee fee
- 5% of advance
- Interest
- 24% p.a.
- Max advance
- Up to $3,000
- Repayment term
- Up to 62 days
- Cost of advance
- $27
Wagetap
$28 est.
- Model
- Consumer-direct
- Employee fee
- 5% of advance + 40c to 90c processing
- Interest
- 24% p.a.
- Max advance
- Up to $2,000
- Repayment term
- Up to 62 days
- Cost of advance
- $28
Common questions about Beforepay
The same questions Australian merchants ask before signing up.
Beforepay does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
Beforepay does not require a lock-in contract for Australian merchants. You can switch providers at any time without an exit fee.
Beforepay settlement times are not publicly listed.
Beforepay AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
Beforepay does not advertise least-cost routing for Australian merchants. If you take a lot of contactless debit, compare against providers that do support it on our comparison page.
Beforepay is best suited to best for employees wanting no-interest pay advances. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Beforepay and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
We may earn a commission when you click through to a provider. This never affects ranking or data shown. Read our terms.
Compare Beforepay
Compare Beforepay against every other Australian provider on price, contract terms, and features.