Frequently Asked Questions

Below are answers to some of the most common questions we are asked.

If you don’t see the answer to your question, please contact our Payment Solutions Experts.


1300 592 283

New Zealand

0800 480 054

United States


Who is IntegraPay and what do you do?
IntegraPay is a payment solutions provider that enables businesses to accept recurring and one-off payments from bank accounts or credit / debit cards via Direct Debit, online / ecommerce and mobile apps. We offer an all-in-one solution that includes a merchant facility and can be integrated into your software.
What services does IntegraPay offer?
IntegraPay offers:

  • Acceptance of all payment types – recurring, Direct Debit, one-off, real-time and eCommerce
  • Processing for all payment methods – bank account, Visa, MasterCard, American Express
  • Automatic billing
  • Customer notifications
  • Online customer sign-up
  • 24/7, real-time, online access
How do I apply for an IntegraPay account?
Contact our Payment Solutions Experts today for an application form, complete it and return it to us with your supporting documentation and you’re on your way to getting paid faster.
How long will it take for my IntegraPay account to be set up?
IntegraPay standard merchant accounts are generally set up within two (2) business days and premium merchant accounts are set-up within 10 days.
What is the IntegraPay Console?
The IntegraPay Console is an online portal that is a certified secure website, providing clients with access to manage their customer’s details and payment information. From the Console, you can view your business’

  • Transactions, settlements and upcoming payments
  • Communications – processing reports, rejection reports
  • Payers – your customers’ accounts, contact and payment details, schedule and status (Active / Suspended / Cancelled)
What is a Hosted Payment Page?
A Hosted Payment Page (HPP) enables your customers to make a real-time, credit / debit card payment online. Through our flexible API’s, this page can be integrated into your website or software.
What is a Direct Debit?
A Direct Debit is where a person (Payer) authorises a business to withdraw funds from their bank or card account. Typically used for recurring or subscription payments such as gym memberships and utility bills, they usually occur at set intervals, but may be for varying sums of money.
Why should I use Direct Debit?
Direct Debit helps to improve cash flow by giving you control over when and how often you are paid. It removes the need for you to continually chase customers for payment and allows your customers to ‘set and forget’ their bill payments, avoiding missed or late payments and associated dishonour fees.
What is a Direct Debit Request (DDR) or electronic Direct Debit Request (eDDR)?
A Direct Debit Request (DDR) is your authorisation to debit your customer’s account. An eDDR is the electronic version of the DDR. An eDDR enables you to sign customers up on the go via a tablet, smartphone or website. The customer is automatically set up within IntegraPay’s Console, eliminating the need for paper copies or manual data entry. eDDRs can include your logo and branding, along with terms and conditions specific to your service offering. You can automatically send a copy to your customer upon completion.
What happens if a payment is rejected?
IntegraPay clients are notified of rejected or declined payments via our Rejection Reports.
Will you notify my customer of a failed payment?
IntegraPay clients can elect for their customers to be notified via SMS or email if their payment has failed, prompting the customer to contact you to arrange a catch-up payment.
What is a chargeback?
Please click here to download our Merchant Guide to Chargebacks.
What security and compliance does IntegraPay offer?
IntegraPay is certified PCI compliant and holds an Australian Financial Services Licence (AFSL). All data is tokenised and stored in our proprietary secure ‘Card Vault’ environment.
What integration does IntegraPay offer?
IntegraPay’s flexible API’s allow you to seamlessly integrate payment processing from a variety of platforms including websites, apps, billing and CRM software for one-off, recurring or batch processing. We give you everything you need to accept credit / debit card payments from your customers, while you retain complete control of your brand and customer experience.
What access do I have to my IntegraPay account?
Via IntegraPay’s Online Payment Management Console, you can view and edit your payment schedules and customer details 24/7.
If a payment is rejected, can it be automatically re-tried?
Clients can elect to have rejected card payments re-tried through our auto-resubmit function.
Can a failed payment be rescheduled?
A Client can request that failed payments be re-scheduled. However you should confirm that all account details are correct, before the re-scheduled payment is due to be processed.
What is IntegraPay’s Xero integration?

IntegraPay is a Xero Add-on Partner that enables payment of Xero online invoices. Customers can make payments straight from their invoice via the ‘Pay Now’ button, by bank account or credit / debit card. They can also sign-up for repeating invoices to be paid automatically (Direct Debit). All payments are automatically recorded and reconciled in Xero.

How do I make a complaint?

We are very sorry to hear that you are unhappy with your payment services. We make every effort to ensure that our partners, clients and their customers have the best experience possible. However we sincerely appreciate your feedback. If you wish to submit a complaint, please email us on [email protected].

Get Support