Know who you are paying and the total before you pay.

MyPay QR currently uses Stripe sandbox. Live payments remain locked and require a separate controlled-pilot approval.

How the transaction fee works

The MyPay QR transaction fee is 5% of the requested payment amount, rounded to the nearest cent and deducted from the recipient. The payer pays exactly the requested amount. Subscribers will also pay A$14.95 per month when subscriptions are activated; sandbox accounts are not billed.

Requested payment: A$100.00
Payer service fee: A$0.00
Total charged to payer: A$100.00
Recipient service fee: A$5.00
Recipient receives: A$95.00

Who is involved

Both payer and payee sign in to MyPay QR and use private MPQ identities. The QR identifies the payee's payment request; Stripe hosts checkout and processes the card or wallet payment. The payee remains responsible for the goods or services underlying the payment.

Privacy and security

The payer and payee do not see each other's email, phone number, PayID, bank details or card details. They see the MPQ identity needed to recognise and reconcile the payment. MyPay QR, Stripe and other approved service providers still process the personal information required for authentication, payment, fraud prevention and support. Read the privacy notice for details.

Problems with a payment

For a duplicate, incorrect or unrecognised payment, contact MyPay QR support promptly with the MPQ or payment reference. Refund requests and complaints follow the published refund information and complaints process.

Draft updated 13 September 2026.

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