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It's how you pay

Buying for your business?
Pay nothing for up to 3 months

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What is Moula Pay?

If you’re making business purchases, Moula Pay is a smarter way to pay. With Moula Pay, you can access a spend limit of up to $250,000, and get up to 3 months free from interest and repayments.

What can you use Moula Pay for?

Pay for stock
Pay for business goods
Invoice | Moula Pay
Pay for services
Buy Materials | Moula
Pay for materials

Moula Pay is easy as
1, 2, 3

1

Apply for Moula Pay

Within 24 hours, we'll activate your account and provide your business with a Moula Pay spend limit.
2

Start buying

At the checkout, request Moula Pay as your payment method.
3

Repay on your terms

Get up to 3 months free from interest and repayments, or take the longer-term repayment plan if you need.

Ready to go?

To get started, all you need is:

  • Active ABN or ACN
  • 6+ months in business
  • $2,500+ in monthly sales

Apply now

Moula Pay FAQs

With Moula Pay, you get up to 3 months free from interest and repayments, and a spend limit of up to $250,000.

Once approved, you can use Moula Pay to get whatever your business needs within your allocated limit, at any participating merchant that accepts Moula Pay.

Safe and secure, every time you pay with Moula Pay, you’ll need to authorise your payment to complete your purchase. Moula pays the participating merchant upfront, and you can get up to 3 calendar months free from interest and repayments. Repay on your terms, saving on interest if you repay in part or full before the end of the interest-free period, or start your repayments after that time if you need.

You can repay any amount during the interest and repayment free period, or pay it off at the end. If you need more time to repay, repayments are scheduled in monthly instalments on the remaining balance. The first instalment will be direct debited in the month following the interest and repayment free period.

We don’t charge any set-up or establishment fees, neither direct debit fees or penalties if you repay early. Moula Pay keeps you in control.

You’ll need:

  • Active ABN/ACN
  • 6+ months in business
  • $2,500+ in monthly sales

It’s simple. If you make a purchase on the first day of the month, then you get the full 3-month period, free from interest and repayments. If you make a purchase in the middle of the month, then you get the rest of that calendar month, plus the next two months, free from interest and repayments.

Yep, you can repay early and as much as you like. If you decide to repay within the first 3 months during the interest-free period, you won’t pay any interest at all. Beyond that, you’ll only pay interest on your amount owing across the month.

You’re welcome to make a payment at any time via EFT. This will help you save on interest, or avoid interest altogether. There are no additional fees to make a payment via EFT.

After logging in to your account, you’ll find the bank details you need to make a payment at the top of the launch screen. When making a payment, please add your Moula Pay Facility ID (FID) to the Reference field. If you can’t locate these details, or simply need help making a payment, please get in touch with our team and we’ll guide you through the process.

Keeping track of various purchase and repayment dates can be a hassle. So, for your convenience, at Moula Pay, each calendar month is considered a new purchase period. This makes your life easier when it comes to making repayments.

After making a purchase, you can now get up to 3 months free from interest and repayments. We combine all the purchases you make in a month into a single repayment amount, which you won’t need to start paying off until the end of the repayment-free period. Repayments that are due after the repayment-free period are scheduled in monthly instalments, with your repayments falling due at the end of each month.

This is a more streamlined billing process, and a much smarter way to repay. It should help you better manage your business’ cash flow.

For example, if you make a purchase on the first day of the month, then you will get the full 3-month period free from interest and repayments. If you make a purchase in the middle of the month, then you will get the rest of that month, plus the next two months, free from interest and repayments.

Yep, you can start your repayments at any time. After the interest and repayment free period, repayments are scheduled in monthly instalments, and direct debited from your nominated bank account.

Not if you pay off all your purchases within the interest free period (i.e. the first 3 months of the month of purchase). After the interest-free period, an interest rate of 3% per month will be applied against your daily outstanding principal balance across the month.

Log in to your account to see a snapshot of your purchases, amount owing, and the status of purchases and repayments to see whether interest is accruing. In your account, purchases that appear under Current will have started accruing interest. Purchases listed under Future haven’t started accruing interest, and won’t if they’re repaid in full before the end of their initial 3-month interest-free period.

Yes, you can. When you log in to your account, you’ll see how to make additional repayments and you can also find out when the interest-free period will end for each purchase.

You can easily track your spending in your account. After logging in to your account, you can see a snapshot of your available limit, amount owing, and pending purchases. You can track your spending by purchase period and merchant, and view your upcoming repayments and transaction history.

If you miss a scheduled repayment, some fees and charges may apply. Refer to your Letter of Offer and Moula Pay General Terms for more information.

Absolutely. You’ll find your purchase history and account activity detailed under Transactions in your account.

For a closer look into your repayment schedule, click Repayments. Purchases listed under Current will have started accruing interest, with repayments scheduled in monthly instalments. Purchases listed under Future haven’t yet started accruing interest.

In addition to seeing what’s ahead in terms of repayments, this is the place to see your repayment history. Click Complete to recap the repayments you’ve made to date.

Generally, direct debits will be taken at end of month once your repayment period starts. It can take up to three business days for direct debits to leave your bank account.

Yes, we will send you an SMS two days before your account is due for monthly direct debit.

If you’ve bought something from a participating Moula Pay merchant but have changed your mind about the purchase, you may be able to request a refund through the merchant, subject to the merchant’s own refund policies. If the merchant allows it, and the refund is authorised, we’ll receive a notification. Once we receive funds from the participating merchant, we’ll credit your Moula Pay account within the month as a repayment, which will free up your available limit.

The annual fee is waived for the first year when you join. Refer to your Letter of Offer for more information.  

For more frequently asked questions, please click here.

Have questions? Call 1300 95 28 28 from 9am - 7pm AEST, Monday to Friday.

Selling to business?

Moula Pay is how you get paid. With Moula Pay, you can attract more customers who buy more, more often, while getting paid upfront.

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