Safer than your debit card. Faster than a bank transfer. Cheaper for every transaction. Built by Australians, for Australians — no hidden fees, no overseas middlemen.
Instant transfer
Processed in 0.3s
Fees saved
$34 this month
0.3s
Avg transaction time
10¢
Flat fee per transaction (vs 1.5–3%)
256-bit
AES encryption
100%
Australian-owned
We've rethought payments from the ground up so everyday Australians get a fairer, smarter deal.
Military-grade encryption, real-time fraud detection, and zero-liability protection on every transaction. Your money is safer with us.
Transfers that clear in under a second — not the 1–3 business days you're used to. Send money to anyone in Australia instantly.
No monthly fees. No overseas processing markups. Just 10¢ per transaction — a flat fee that beats percentage-based bank debit charges on typical purchases.
Sign up below and lock in your spot. Early members get founding member pricing locked in for life.
Quick 2-minute AML/KYC check, done entirely on your phone.
Use your WaratahPay card anywhere Visa is accepted, in-store or online. Instantly.
No spin — just the honest numbers.
Low fixed fee
Instant settlement
Fraud protection
Live spend tracking
Remote payments
24/7 support
| Feature | Cash | WaratahPay ✦ | Debit / Credit Cards |
|---|---|---|---|
| Low fixed fee | No processing fee | 10c flat | 1.5-3% fee |
| Instant settlement | In person only | Under 1 sec | 1-3 business days |
| Fraud protection | None | Real-time AI | Standard controls |
| Live spend tracking | Manual receipts | Live in app | Bank statements |
| Remote payments | No | Yes | Yes |
| 24/7 support | No | Always on | Limited |
What our beta testers are saying
"Finally a payments app built for Australians. The transfer speed alone is worth it — money arrives before I can even put my phone down."
Jordan T.
Sydney, NSW
"I used to lose so much to bank fees running my small business. WaratahPay has cut my payment costs by more than half. Genuinely life-changing."
Priya M.
Melbourne, VIC
"The fraud protection caught a suspicious transaction I didn't even notice. Real-time alerts and they blocked it immediately. I feel genuinely safe."
Tom W.
Brisbane, QLD
Add your details once and we will send you straight to our interactive prototype — walk through real flows, stress-test the experience, and tell us what you think. No credit card required. You will also stay on the waitlist for founding member pricing when we launch.