Paytime
- Model
- Employer-sponsored
- Employee fee
- Flat ATM-style fee (employer can subsidise)
- Interest
- No interest
- Max advance
- Up to 50% of earned wages
- Repayment term
- Next pay run
- Cost of advance
- —
Paytime
Australian employer-sponsored EWA with a flat ATM-style fee and Xero/MYOB integration.
- Model
- Employer-sponsored
- Max advance
- Up to 50% of earned wages
- Interest
- No interest
- App (iOS)
- 4.4 / 5
Best for
Best for employers wanting payroll-integrated EWA with Xero/MYOB
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Setup fee
- Free for employer
Online payments
Online checkout and keyed-in card transactions.
- Setup fee
- Free for employer
Contract terms
- Contract length
- Contact provider
Last verified 21 May 2026.
Strengths and trade-offs
Pros
- Flat ATM-style fee, no interest, no late fees
- Xero and MYOB integration
- Employer can subsidise the fee
- Australian HR-fintech with API integration
Cons
- Requires employer sign-up
- Employer SaaS pricing on request
- Employees cannot self-serve
About Paytime
Paytime is an Australian HR-fintech offering employer-sponsored earned wage access. Employees can access up to 50% of earned wages early for a small flat, ATM-style fee per withdrawal with no interest and no late fees, and employers can choose to subsidise the fee. Paytime integrates with Xero and MYOB and offers a custom API for other payroll, ERP and timekeeping systems. Pricing for the employer SaaS platform is provided on request.
Paytime was founded in 2020 and is headquartered in Sydney, Australia.
How Paytime compares
Side-by-side with the closest alternatives by estimated cost.
Based on a $500 advance repaid in 7 days.
CommBank AdvancePay
$5 est.
- Model
- Consumer-direct (bank product)
- Employee fee
- $5 per $500 (about 1%)
- Interest
- None (14.90% p.a. only if overdue)
- Max advance
- Assessed individually
- Repayment term
- By next pay
- Cost of advance
- $5
Employment Hero EWA
$8 est.
- Model
- Employer-sponsored
- Employee fee
- 1.3% (Swag Wallet) or 1.5% (bank account)
- Interest
- None
- Max advance
- Up to 50% of earned wages
- Repayment term
- Next pay run
- Cost of advance
- $8
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
Common questions about Paytime
The same questions Australian merchants ask before signing up.
Paytime 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.
Paytime contract terms in Australia: Contact provider. Check the fine print for any early termination fees before signing.
Paytime settlement times are not publicly listed.
Paytime AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
Paytime 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.
Paytime is best suited to best for employers wanting payroll-integrated ewa with xero/myob. 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 Paytime 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 Paytime
Compare Paytime against every other Australian provider on price, contract terms, and features.