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Payments
made to Savingsmart
Secure Payments
Savingsmart accepts online secure payments using Paymate
Express
Paymate Express
How does Paymate Express work?
Paymate express allows you to send money to any registered
seller in AUSTRALIA with an email address and Australian bank
account. We will deduct the money from your credit card and
send an email to the recipient letting them know the payment
is on the way. The money will be deposited in the recipient's
account after one entire business day has expired.
Do I need to register with Paymate to
use Express Payment?
No. You can register in just a few minutes for additional
benefits - you can track the status of your payments, you
don't have to enter your credit card details the next time,
you can make a payment from an Australian Bank Account, you
can receive money into an Australian Bank Account and much
more.
When will the recipient receive the
money? Credit Card payments authorised before 6pm (1800
hours) AEST will usually be posted to the recipient's bank
account the next night and be available for access the following
business day. Bank Account payments authorised before 3pm
(1500 hours) AEST will usually be posted to the recipient's
bank account three business days after and be available for
access the following business day. Which Credit Cards can
I use to make a payment? You can use Visa and Mastercard.
Bankcard can only be used for Australian Dollar purchases.
Do I need to verify my credit card?
As a protection against fraud, Paymate may from time to time
require you to verify your nominated card. verification involves
Paymate debiting and crediting a small random amount to the
credit card account. Paymate will notify you of the verification
transactions and of your obligation to confirm the transaction
amount.
Can I pay from a Bank Account? You
can make an Express Payment from an Australian Bank Account
if you are a registered Paymate client and have already verified
an Australian Bank Account with us.
I am a registered Paymate client - can
I use Paymate Express? Yes. Simply enter your username
and password and select from the credit card or bank account
payment options - your default account will be used.
Can I send money to someone not registered
with Paymate? No, sorry you cannot pay a seller without
them registering first.However if you get this error message,
please check that you have your seller's correct email address
that they registered with Paymate. Also check that you have
entered it correctly. It must be absolutely correct.
Can I send money to someone without
an Australian Bank Account? Not at this time. Please
remember you can only pay sellers who have an AUSTRALIAN bank
account.
Can I make a payment in a currency
other than Australian Dollars? Yes, Paymate currently
works in Australian dollarsi and US Dollars only . Users dealing
in other currencies will have to agree on an exchange rate.
You as the buyer then need to convert the amount to Australian
dollars and enter that into the 'Payment Amount' section of
the express form. If you are paying with a non-Australian
or non-US credit card then your bank will convert the payment
amount to your local currency. The credit card exchange rate
may be different from the one used to calculate the payment
amount so your actual billed amount may be larger or smaller
than the actual bid amount.
Are my personal and financial details
secure? When you send or request money using Paymate,
the only information the recipient sees is your email address,
name and shipping address. Recipients never see your financial
information such as credit card or Australian bank account
numbers. Paymate is committed to utilising the best commercially
available technology and procedures to protect the security
of your online transactions. Our entire
site uses 128 bit SSL encryption. We encourage you
to carefully review our Privacy and Security policies if you
have further questions.
What are the fees for the Express Payment? Paymate
charges a small Transaction Fee to the buyer/payer for each
payment made and to the seller/payor for credit card payments
made. The buyer Transaction Fee is a combination of a low
fixed fee plus a variable fee based on a percentage of the
transaction value. All Fees & Charges are in Australian dollars
and show GST separately since overseas residents are not subject
to the GST. Please review our Fee Table for the different
options and values. Paymate will calculate the fees and GST
automatically for you.
How do I get more help from Paymate Client Services?
Paymate has a dedicated Client Services team ready to help
you. Send us an email with your questions, problems and suggestions
to clientservices@paymate.com.au
If a specific transaction is involved, please include the
Paymate transaction ID. Our team will respond as quickly as
possible, usually within 24 hours of receipt during normal
business hours. Operating hours of our client services team
is Monday to Friday 8.00am - 5.00pm Australian Eastern Standard
(or Daylight) Time.
What are other sources of information about Paymate and your
services? You can find out more about Paymate from
our website: https://www.paymate.com.au.
You will also find links to our information pages at the bottom
of the Express Payment page
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