Empower customers to manage and pay their bills.

Greater payment options for recurring utilities payments

direct debit

Monoova’s online payment gateway is customisable for a consistent brand experience, with all the payment options your customers expect – and some new ones too, such as cards, digital wallets, BPAY, Direct Debit and PayTo agreements.

Offer customers more control over their billing and payments. Monoova brings all your payment methods together under one roof to easily receive, manage, and pay suppliers or refund customers.

• Offer customers multiple payment options
• Easily support payment plans through PayTo agreements
• Auto-reconciliation helps prevent fraud and lost payments
• Auto-correction of mispayments, reducing customer service enquiries
• Prepare ahead for the BECS retirement in 2030

Improve your collections

Introduce instant payments

Fixed|variable billing

Consumer payment preferences are evolving with more options than ever before. Keep ahead of the curve by adopting more payment rails and keep them all under one roof with Monoova.

One access point gives you the choice of BPAY, cards, Direct Debit, PayTo agreements, and Apple Pay and Google Pay.

Reduce payment dishonours.

PayTo for recurring billing

Secure transactions,

PayTo agreements are the new standard for recurring billing, for both fixed and variable sums. PayTo validates an account’s funds before making a withdrawal. If funds are insufficient, you’ll receive an alert and your customer will avoid overdrafts and penalties. Protect your customers and your cashflow.

Protect your PayTo agreements with traditional Direct Debit agreements, offering you an extra layer of assurances.

Free up your finance team.

Automated reconciliation

Automated

All payments sent or received via Monoova are automatically reconciled as they occur. Payment error? No problem. You can also set up reconciliation rules for incorrect payments according to your existing processes. This makes it easier to refund customers or roll over any mispayments onto the next billing cycle.

A bills payment experience that customers will appreciate

work for you

Payment choice

Whether it’s the familiarity and convenience of cards, the accountability of manual BPAY or the peace of mind in automated Direct Debits and PayTo agreements; let your customers decide how they want to pay.

Brand consistency

Customise Monoova’s payment gateway to give customers a best-in-class experience when it comes to paying their bills.

Real-time payments with NPP plus auto-reconciliation

Access to NPP payment rails means customers can pay in real-time. With auto-reconciliation, customers will see their account updated in real-time to reflect their payments or payouts.

Without the API that Monoova provides, things like BPAY, direct debits, bank transfers, we would have to integrate and build all the componentry around it individually. With Monoova, we can just plug into one API and we can gain all that functionality. So, there's a lot of cost saving in the go to market process for us rather than having to build all supporting infrastructure around those processes"
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Headshot of Tristan Dakin from Wise

Tristan Dakin

Country Manager,
Australia & New Zealand

Process all types of rental payments

Display
Direct Debit
Cards
PayTo
BPAY
Transaction fee (per transactions)  

*Fixed costs may be applicable additionally
≤$0.25
≤1.5% + $0.25
≤$0.40
≤$0.40
Speed to transact 
2 business days with Monoova
Up to 3 business days
Instant
Up to 4 business days
Type of payment 
Pull
Pull
Pull
Push
Recurring and subscription payments 
x
Real-time settlement of funds for merchants 
x
x
x
Under and over payment reconciliation with Monoova’s API
Real-time account validation (source account information) 
x
partially
Reduces dishonours, disputes and fraud 
x
x

Don’t be left behind.

BECS is retiring in 2030

comprehensive payment solution

With Monoova’s API ecosystem in your tech stack, start the integration and transition into other payment rails like NPP (PayTo and PayID), BPAY, cards and more.

A win-win for you and your customers.

Let Monoova handle your payments

on time, every time

With Monoova, you’ll get access to payment rails that enable real-time payments, cards and digital wallets all from one place.

Auto-reconciliation helps manage customer payment issues while reducing the risk of human errors. You’ll effectively reduce your team’s administrative burden when it comes to identifying mispayments, reconciliation, and managing multiple payments providers.

Speak with our payments experts to see how Monoova can help improve your customer payments experience as a biller.

More ways to make money move®

make money move™

Cards

Accept debit, credit, Google Pay and Apple pay.

Direct Debit

Recurring and subscription pull payments. 

BPAY

Send bills, receive payments and pay suppliers.

Personalised service and a single solution that connects you with speed and automation 24/7/365.

Monoova is your partner to make money move®
White-glove service|single point solution|make money move™

The latest news

news

How Launtel is Transforming Customer Experience with Instant Payments

Proudly Australian-owned and operated, Launtel is an internet service provider (ISP) headquartered in Launceston, Tasmania. Known for being Australia's fast and most flexible internet service provider, Launtel offers customers control over their internet service through the ability to and providing as many payment options as possible. Adam Poulton, CEO, Launtel, shares why they choose Monoova as their preferred payments partner, how the integration and onboarding experience has been, and how it's benefitted their customer experience.

Monoova are Finnies Award Finalists 2025

Our Chief Commercial Officer, David Greene, shares his insights as a keynote speaker at the Future of Insurance Conference 2025 in Sydney. David highlights how insurers can leverage innovative payment technology to maintain competitiveness, boost efficiency, and improve customer experience. The Australian government’s modernisation of the payments system including the phasing out of BECS by 2030 will significantly impact insurers, particularly in operations, compliance, and customer expectations. David explores how Monoova's payment solutions can help insurers prepare for these changes and stay ahead of the curve.‍

How Australia's Payments Reforms will Reshape Insurance in 2025

Our Chief Commercial Officer, David Greene, shares his insights as a keynote speaker at the Future of Insurance Conference 2025 in Sydney. David highlights how insurers can leverage innovative payment technology to maintain competitiveness, boost efficiency, and improve customer experience. The Australian government’s modernisation of the payments system including the phasing out of BECS by 2030 will significantly impact insurers, particularly in operations, compliance, and customer expectations. David explores how Monoova's payment solutions can help insurers prepare for these changes and stay ahead of the curve.‍

Navigating the Cost-of-Living Crisis: How Launtel & Monoova are helping Australians stay connected

With Australia facing a growing cost-of-living crisis, this case study explores how internet service provider Launtel is stepping up to help Australians navigate the cost-of-living crisis.

*Disclaimer: To the extent that the information contained above is sourced from third parties or provides link to third party websites, Monoova takes no responsibility for the accuracy, currency, reliability and correctness of any information included in the material provided by third parties nor for the accuracy, currency, reliability and correctness of links or references to information sources (including internet sites) operated by third parties. You may read our PDS/FSG for more information.