Now live in Australia

Eliminate credit card merchant fees with secure, real-time bank-to-bank payments.

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Real-time payments powered by PayTo

Stop waiting days for card payouts to clear.

FUNDiMO settles straight from your customer's bank to yours over PayTo, in real time. No card rails in the middle.

  • No merchant fees

    Skip 1.5–3% card interchange. Pay one flat $0.70 per transaction, whatever the sale size.

  • Money in real time

    Funds land in your account as the payment clears, not days later after a card settlement batch.

  • No terminals or swipe fees

    $0 hidden terminal costs and $0 credit card swipe fees.

Request to Pay (R2P)

Send an R2P request. Get paid. Get feedback. All in one step.

Businesses send R2P requests directly to customers with a breakdown of what they're paying for. Customers can review, approve or decline, with feedback.

Scan to Pay (S2P)

Scan a QR code at checkout and pay instantly through Australia's PayTo network. No card terminals, no tap-and-wait. S2P moves the money in real time, straight from your bank.

Discounts

No voucher codes, no clipping, no forgetting. Businesses run discount campaigns and if a deal applies to your purchase it's applied automatically at checkout.

FUNDiMO Privacy SHiELD

Privacy, Built In

Privacy SHiELD is a self-audit built into the FUNDiMO software, running behind the scenes to protect our customers and the businesses they deal with. We train our own models to power it.

AI-Assisted Catalog Management for Businesses

Describe what you sell and FUNDiMO creates structured product and service listings ready for the marketplace. It also helps manage your discount campaigns: set the criteria, and FUNDiMO handles the rest.

How it works

For payers

How to pay

Pay as an individual or a business.

  1. 1

    Create your account

    Sign up in a few minutes.

  2. 2

    Connect your bank with PayTo

    Approve a secure PayTo agreement so money moves straight from your bank account in real time. No cards, no stored balances.

  3. 3

    Pay

    Scan to pay at checkout or approve a Request to Pay. Any discount that applies is added automatically.

For businesses

How to get paid

  1. 1

    Sign up, then register your business

    Create your account and register your business in a few minutes.

  2. 2

    Verify your business

    Complete identity checks (KYC), required before you can receive funds.

  3. 3

    Get paid

    Accept Scan to Pay and Request to Pay. Funds settle to your bank in real time.

Simple, transparent pricing. See plans

Questions businesses ask

  • How can my business avoid credit card merchant fees?

    FUNDiMO takes payments straight from your customer's bank account through PayTo, instead of running them over the card networks that charge merchant fees.

  • What is the cheapest way to take payments in Australia?

    FUNDiMO charges one flat $0.70 fee per transaction instead of the 1.5–3% interchange card processors take, with no terminal rental and no swipe fees.

  • What is PayTo and how does FUNDiMO use it?

    PayTo is Australia's real-time account-to-account payment network from AusPayNet. FUNDiMO uses it to move money directly between your customer's bank and yours, in real time.

  • Is FUNDiMO available for Australian businesses?

    Yes. FUNDiMO is built for Australian businesses and settles in real time over the PayTo network.

  • How fast does FUNDiMO settle payments?

    In real time. Funds move from your customer's bank to yours as the payment clears, rather than days later in a card settlement batch.

  • Do I need a card terminal to use FUNDiMO?

    No. Customers pay by scanning a QR code (Scan to Pay) or approving a Request to Pay, so there is no terminal to rent and no card swipe fees.

Ready to get started?

Create your FUNDiMO account and start sending and accepting payments in real time.

Sign Up Now