Paytime logo

Paytime

Australian employer-sponsored EWA with a flat ATM-style fee and Xero/MYOB integration.

In-person rate
Online rate
Monthly fee
Contract
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Best for

Best for employers wanting payroll-integrated EWA with Xero/MYOB

Pricing breakdown

All prices in AUDLast verified 31 May 2026

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

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.

Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.

Paytime logo

Paytime

In-person rate
Online rate
Monthly fee
Terminal cost
Contract length
Contact provider
Settlement time
Est. monthly cost

Common questions about Paytime

The same questions Australian merchants ask before signing up.

  • Paytime is an Australian employer-sponsored earned wage access platform. The employer integrates Paytime with their payroll and timekeeping systems (including Xero, MYOB, or a custom API). Employees can then withdraw a portion of their already-earned wages at any time via the Paytime app. The withdrawn amount is automatically reconciled in the next scheduled pay run.

  • Paytime charges employers a SaaS subscription fee. The exact amount is quoted based on company size and configuration. Setup is free for the employer.

  • Paytime charges a fixed flat fee per withdrawal, similar in structure to an ATM fee. The fee does not scale with the withdrawal amount. Employers can choose to subsidise this fee, making access free for employees. Because fee levels are set per employer contract, the specific amount is confirmed during employer onboarding.

  • No. Paytime does not charge interest or late fees. Employees access wages they have already earned, so no new credit is extended.

  • Paytime integrates with Xero, MYOB, and supports custom API connections for other payroll and ERP systems. Paytime's technical team manages the integration on the employer's behalf, which is intended to reduce the setup burden for smaller businesses.

  • No. Paytime provides access to wages the employee has already accrued. It is regulated as an earned wage access service under ASIC's framework, not as a consumer credit or loan product.

  • Paytime suits Australian employers, particularly SMEs already using Xero or MYOB, who want to offer earned wage access as a staff benefit. Employees cannot access Paytime independently without their employer being on the platform.

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Compare Paytime

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