Changes to cash payments via DEFT

We've made some important changes to our DEFT offering.

A photo of smiling man standing against house. Male is standing with arms crossed. He is wearing shirt.
A photo of smiling man standing against house. Male is standing with arms crossed. He is wearing shirt.

Important changes

We're streamlining our DEFT payment options.

From Friday 29 April 2022, we’ll no longer be accepting cash payments via DEFT at Australia Post outlets.

We’ve seen cash payments via DEFT reduce in recent years, and it’s never been easier to do business and make payments online.

Shot of a young woman reading papers while working on a laptop in a home office.


With 97% of payments being made online today*, we’re making this change to simplify our DEFT offering. Payers who wish to pay their DEFT bill payments at Australia Post can still do so by eftpos or cheque.

We’re here to support you and your business to start working through this change with your impacted payers.

What's happening and when?

From Friday 29 April 2022, we’re making changes to cash payments via DEFT. This means we’ll no longer be accepting cash payments via DEFT at Australia Post outlets.

Why are you stopping cash payments at Australia Post?

With cash payments falling dramatically in recent years, we’re streamlining our payment options and will no longer be accepting cash payments through DEFT.

For customers who prefer paying in person at Australia Post outlets, we’re retaining the ability to pay in person by eftpos or cheque. We also offer other payment methods that can be completed online or over the phone.

To find out what options your biller has made available for you, please refer to your DEFT payment invoice. Once you have selected a payment method, instructions on how to pay your bill can be found in these FAQs.

How can I pay my bill now?

For customers who prefer paying in person at Australia Post outlets, payment can be made by eftpos or cheque.

We also offer other payment methods that can be completed online or over the phone. To find out what options your biller has made available for you, please refer to your DEFT invoice.

Depending on what your biller offers, payment options include:

  • DEFT Online – pay with a credit or debit card or bank account* online
  • DEFT Payer Wallet – set up a recurring payment paying with a credit or debit card or bank account*
  • BPAY
  • DEFT Phonepay – pay with a credit or debit card or bank account* over the phone
  • By mailing a Cheque via the DEFT Locked Bag service

For a step-by-step guide, see the DEFT guide for payers.

To avoid late fees, please read the last question in our FAQs guide to find out how long it takes for a payment to clear, using different payment methods.


*Note: A surcharge for credit card and debit card payments applies.
® Registered to BPAY Pty Ltd ABN 69 079 137 518.

How do I pay online?

To make a payment online, simply go to www.deft.com.au

  1. Select ‘Pay without a login’ on the DEFT homepage.
  2. Enter the DEFT reference number given to you by your biller.
  3. Enter your card details.
  4. Enter the payment amount.
  5.  If you would like to send a copy of the payment receipt by email, enter the email address of the recipient (optional)
  6. Select ‘I’m not a robot’ and follow the prompts (this is a security feature).
  7. Select ‘Next’.
  8. Review the details of your payment. Select ‘Edit’ to make any changes, or if all details are correct, select ‘Pay now’.
  9. It is important to not click back or interrupt the screen while the payment processes.
  10. If the payment was successful, you will be presented with a copy of the payment receipt. If the payment was unsuccessful, a message will appear on your screen.

For a comprehensive step-by-step guide, see the DEFT guide for payers.

To avoid late fees, please read the last question in our FAQs guide to find out how long it takes for a payment to clear, using different payment methods.

*Note: A surcharge for credit card and debit card payments applies.

How do I make a payment via DEFT Phonepay?

Without a phone security code

Without a phone security code, you can make payments only by card.

For a step-by-step guide, see the DEFT guide for payers.

  1. Call 1800 672 162 (or from overseas,  +61 2 8245 4499) at any time. Note: If you’re calling after our cut-off times or on the weekend or a national public holiday, the payment will be processed on the next business day.
  2. Select 1 to make a payment over the phone.
  3. Enter your DEFT reference number, followed by the # key
  4. If the DEFT reference number is valid, you’ll be given a list of options. Select 1 to make a one-off card payment.
  5. Follow the prompts to complete your payment. The details will be read back to you before you confirm the payment.
  6. Once you’ve confirmed, we'll submit your payment and let you know the receipt number if your payment is successful.

With a phone security code

With a phone security code, you can pay by card or by bank account if your biller supports both options.

For a comprehensive guide, see ‘Set up your phone security code’ in our step-by-step DEFT guide for payers.

To avoid late fees, please read the last question in our FAQs guide to find out how long it takes for a payment to clear, using different payment methods.

*Note: A surcharge for credit card and debit card payments applies.

 

How can I still pay in person?

For customers who prefer paying in person at Australia Post outlets, payment can be made by eftpos or cheque.

To avoid late fees, please read the last question in our FAQs guide to find out how long it takes for a payment to clear, using different payment methods.

*Note: A surcharge for debit card payments applies.

I need additional help or special assistance – who can I speak to?

If you need help making payments, you can contact your biller or you can call us on 1800 672 162 (overseas +61 2 8245 4499) Monday to Friday, 8.30am - 5.00pm (Sydney time).

How long does it take for my payment to clear using the different payment methods and what fees are associated?

To help make the switch and avoid late fees, learn more about the recommended time for payments to clear and determine when you should schedule your next payment:

Payment method

Cut off time (SYD) Business Days

Business days to clear

Fees and charges to payer

BPAY

Dependent on your bank.

BPAY processing depends on your bank. Most major banks will settle within one to five business days.

No fee

Credit card

MasterCard and Visa 9:30pm (Sydney time)

 

Payments by Credit Cards are generally received within two business days, but funds are drawn on the day.

Visa – 1.5% surcharge per transaction

MasterCard – 1.2% surcharge per transaction

Debit card

MasterCard and Visa 9:30pm (Sydney time)

 

American Express and Diners Club 7:00pm (Sydney time)

 

Payments by Debit Cards are generally received within two business days, but funds are drawn on the day.

Visa and MasterCard surcharge – 0.4%

Bank account

Payments from your bank account 5:00pm (Sydney time)

 

Payments by Direct Debit are cleared three business days from when the request was submitted.

Fee: $0 – $0.85 dependent on your biller.

Cheque

Dependent on your Australia post outlet opening hours.

Payments by cheque are normally cleared three to five business days from when they are presented. This may differ for areas outside of metropolitan areas.

Postage fee applies

Need help?

We're here to answer any questions you have about DEFT payments.

Speak to the team

Monday to Friday, 8:30am - 5.00pm (Sydney time)

1800 672 162

Overseas +61 2 8245 4499

For billers

For any further queries, please get in touch with your Relationship Manager.

For billers

We have a range of tools and resources available to help you manage this change with your clients.

There are a range of alternative payment options available to your payers including:

  • Credit, debit card or bank account
  • BPAY®
  • In person
  • By mail

You may choose to offer some or all of these options.

Sometimes, we may have to refer questions about payment options or information regarding your payment advice from your payers back to you.

We’re working closely with your software provider to make changes to your payment template (levy notice or invoice) to remove the reference to cash as a payment option.

For any other information, please contact your relationship manager or call 1800 672 162

Additional information

*97% of DEFT payments for the 4 months to July 2021 have been made using BPAY®, card payments online or over telephone, or via direct debit. BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.