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UPFRONT PAY

Help & Support

 Everything you need to know about Upfront Pay, from getting started to managing jobs and getting paid.

Is UpfrontPay a bank?

We are a specialised secure payments platform. While we aren’t a traditional bank, we are a Reporting Entity registered with AUSTRAC. We operate under the same strict anti-money laundering and counter-terrorism financing regulations as major Australian financial institutions.

What does "AUSTRAC Registered" actually mean for me?
It means your money is in safe hands. AUSTRAC oversight ensures every dollar is tracked and handled according to federal law via regular compliance checks.
Where exactly is my money held?
Funds are never held in our operating accounts. They sit in a segregated Statutory Trust Account with a Tier-1 Australian Bank. Upfront Pay acts as a neutral “vault” released only upon mutual agreement.
What if the contractor doesn’t finish the job?

Funds stay in the vault until you authorise release. If they fail to deliver, the money remains protected by our dispute resolution framework.

Remember to maintain good communication with your service provider throughout this process, and immediately let them know of any concerns. If the service provider indicates the job is finished on our app, you will receive the ‘job complete’ email from us; if you’re unwilling to release the full payment at that time don’t follow the link, instead, look at our dispute resolution support page.

If there is a dispute between the parties Upfront Pay will hold the payment and not release it until both of the parties agree to the release of all or part of the payment or Upfront Pay is directed by a court or other authority to release the payment to a party.

What if the final bill is less than the quote?

We use a “Mutual Adjustment” feature. The contractor can adjust the price downward before release. You only authorise the final total; the remainder is automatically and instantly refunded to your account.

When an agreement has been reached, fill out the Resolution Form outlining what both parties have agreed on. This ensures the agreement is summarised on paper and will be a valuable resource if further action is necessary.

Download the Resolution Form here.

In the unfortunate case that the parties can’t come to an agreement, one or both parties must immediately notify Upfront Pay that there’s a dispute underway. Upfront will hold the funds secure, and will release the funds when either:

1. An agreement has been settled; or
2. Upfront Pay is directed by a court or other authority to release the payment to a party.

What does "Bank Grade Security" actually mean?

Bank Grade Security is a term that signifies we use the highest level of security measures available, comparable to those employed by major financial institutions like NAB, to protect your information and transactions. It is a commitment to adhering to stringent industry standards and regulatory requirements.

Is my money sitting on your servers?

No. Your money is in Statutory Trust Accounts held with Tier-1 Australian banks.

How much does Upfront Pay cost?

Upfront Pay accounts are free (takes 2 mins) & no monthly subscription is needed. Transaction fees are only 0.9% and are automatically deducted (e.g. a transfer of $1,000 will automatically deduct a transaction fee of $9). Transactions are unlimited, use as you need. Minimum transaction fee is $4.99 per transfer. Transaction fees are capped at $100 per transfer (for transfers $10,000+). Service providers can use Upfront Pay for free by adding 0.9% to their invoices to allow for payment security.

How do I use Upfront Pay?

To create a new job, simply click on ‘New Job’ and follow your nose. When you’ve entered in the job’s details, an email containing a unique URL link will be sent to your customer. Once they follow the link and make payment to Upfront Pay, you will be notified via email so that you can begin work knowing the money is there waiting. When you’ve finished the job, simply log into your account, select the respective job from the list and click ‘Job complete’. An email will then be sent to your customer to confirm, and once we receive their confirmation, the funds will be released directly into your bank account that business day. Note that the bank’s processing time may take up to three business days.

These videos will help you ↓

· Watch ‘How to sign up’ here.
· Watch ‘How to create a new job’ here.
· Watch ‘How to pay & get paid’ here.

Download Upfront Pay here ↓

· Apple App Store
· Google Play Store

What if there’s a dispute about the job?

If there is a dispute between the parties, Upfront Pay will hold the payment securely until the parties agree to the release of all or part of the payment, or Upfront Pay is directed by a court or other authority to release the payment to a party. If you need help with your next steps in resolving a dispute, visit our dispute resolution tips page here.

How do I adjust the payment amount after creating the job in Upfront Pay?

If the amount is more than the original amount, simply create a ‘new job’ for the surplus amount, stating in the description that it is a variation on the original job. If the amount is less than the original amount, and you need to issue a partial or full refund, please contact us on 07 2004 8787 or email us at [email protected] for assistance.

What are the benefits of Upfront Pay to my customer?
    • Using Upfront Pay is a way customers can ‘lock in’ busy service providers to complete their job first because they’ll have payment security for that job, making it more attractive.
    • There’s no risk of losing a deposit (or more) to unscrupulous service providers.
    • Only reliable service providers that are committed to finishing the job to a high standard use Upfront Pay.
    • Service providers with a large number of disputes are excluded from using our service.

How do I make a payment?
When you engage an ‘Upfront Pay Service Provider’ you will receive an email from Upfront Pay with details of the project and a link to our platform asking you to confirm the job details and with payment options. The preferred method of payment is payID as it is easier, safer and more secure. You can pay via payID in your internet banking app (depending on your bank it may also be known as Osko).
What do I do if there’s a problem with the job?

Remember to maintain good communication with your service provider throughout this process, and immediately let them know of any concerns. If the service provider indicates the job is finished on our app, you will receive the ‘job complete’ email from us; if you’re unwilling to release the full payment at that time don’t follow the link, instead, look at our dispute resolution support page.

If there is a dispute between the parties Upfront Pay will hold the payment and not release it until both of the parties agree to the release of all or part of the payment or Upfront Pay is directed by a court or other authority to release the payment to a party.

Can I cancel a payment that I’ve already made?
The only way to cancel a payment or be refunded is to ask the service provider to refund you. They can do this via Upfront Pay, and we can help them with the process. Once they submit a refund request, we will send you an email asking you for your bank details and to confirm the amount. The funds will be deposited into your account within three working days. If there is a dispute and the service provider doesn’t intend to refund you, you should refer to our dispute resolution support page here.
Can I release only part of the payment to the tradesperson while they finish/fix the job?

Yes. If the service provider indicates on our app that the Job is Complete you will receive the confirmation email from us, don’t follow the link to the online platform, instead, email us at [email protected]. You will need to specify the issues you have with the job and the amount you are releasing to the service provider, as well as when you are intending to release the remaining funds e.g. once the job is rectified.

What are the benefits of Upfront Pay to me?
You will know the cost of the project upfront, there isn’t the usual risk of the invoice at the end of the job being more than you anticipated.

Using Upfront Pay is a way customers can ‘lock in’ busy service providers to complete their job first because they’ll have payment security for that job making it more attractive. There’s no risk of losing a deposit (or more) to unscrupulous service providers.

Only reliable service providers that are committed to finishing the job to a high standard use Upfront Pay. Service providers with a large number of disputes are excluded from using our service.

How does Upfront Pay protect me from covering job costs?
We end the “Bank of Tradie” era. You shouldn’t have to dip into your mortgage buffer, savings, or personal cash just to get a job off the ground. That’s why we ensure every dollar needed for materials and wages is verified and secured in a neutral vault before any work starts. So instead of carrying the financial risk, you move from chasing and covering costs yourself to having your cash flow locked in and ready before you even load the van.
How does Upfront Pay protect me and my client?
Upfront Pay creates neutral ground between you and your client by securing funds in a bank-grade, AUSTRAC regulated environment before work begins. Payments are held in an independent vault system, ensuring the client can’t “run” with the money, and the contractor can’t “disappear” with the deposit. This means your client’s funds are locked in and only released when the work is completed, giving you confidence that payment is secured while also giving your client assurance that their money is used only for the agreed project. It removes payment uncertainty and helps both sides operate with clarity and trust from the start.
Upfront Pay seems like an extra step. How does it actually help me save time?
Upfront Pay removes the need for manual follow-ups, payment chasing, and awkward conversations with clients. Once a milestone is completed and approved, payments are automatically triggered, so the money moves without you having to chase it. This takes the pressure off your evenings and weekends, giving you back hours of non-billable admin time each week so you can focus on your work and your family instead of unpaid invoices.
How does Upfront Pay pricing compare to other platforms?
Upfront Pay offers enterprise grade security at a simple flat rate, so you’re never penalised as your jobs get bigger. While other platforms charge between 1.5% and 2.5% just for basic processing, Upfront Pay provides a full Job Security Structure for only 0.9%, capped at $100 per transaction. That means no hidden “growth taxes”, just predictable pricing that helps you keep more profit on every project.
Can I do a demo?
Yes. We offer a $10 demo job where Upfront Pay acts as your customer, so you can experience the full process; receiving notifications, seeing how the payment is secured, and watching the funds land in your account. It’s a simple, risk-free way to move from scepticism to certainty before changing how you run your jobs.
Didn’t find what you’re looking for?

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You can also contact us by email to
[email protected] or find us on Facebook & Instagram.