YOUR AMBITION. CONNECTED.

Payments that
move you forward.

Remittance, payment connectivity and foreign exchange, with applicable providers.

BUILT AROUND YOUR WORLD

Different needs.
Practical next steps.

We’ll explain the applicable services, providers and requirements.

BUSINESS TO BUSINESS

Keep business moving.
In both directions.

Organise incoming customer payments and supplier payments across Australia, plus foreign currency needs when you have them, via approved third-party payment infrastructure and, where applicable, financial services provided by Monfina Pty Ltd (AFSL 512986) or, within its written authorisation, by Monfina Payments as its Corporate Authorised Representative. Provider arrangements must support each use-case before activation.

Discuss B2B payments ↗
01

Receiving payments through third-party providers.

Where arrangements are in place, customer payments can be received via applicable third-party payment infrastructure.

02

Make and manage payments.

Work through supplier details, due dates, currency needs and payment methods available for your setup after provider activation.

03

Stay connected.

Get help with onboarding, transaction enquiries and the next step when requirements change.

INDIVIDUALS

Transfers and FX
options.

Talk to us about transfers and foreign exchange. We’ll explain available options, costs and next steps in plain language, without guaranteeing a particular outcome.

Talk about your transfer ↗
01

Everyday transfers.

Discuss domestic payments, beneficiary information and the method suited to your transfer.

02

Money across borders.

Discuss supported destinations, available currencies, exchange rates and typical timing, subject to provider arrangements and checks.

03

Help from a person.

Get guidance with the onboarding steps and someone to contact about your payment.

SMALL BUSINESSES & SOLE TRADERS

Less payment admin.
More room to build.

Bring bills and supplier payments into a simpler process. We’ll confirm the partner rails that fit.

Simplify your payment routine ↗
01

Receiving payments through third-party providers.

Where arrangements are in place, customer payments can be received via applicable third-party payment infrastructure.

02

Organise incoming payment connectivity.

Explore domestic payment methods and recurring direct debit where activated via a named third-party provider and authorised customer consent.

03

Keep suppliers in view.

Discuss bill and supplier payments across Australia, and foreign currency supplier payments where the relevant provider arrangement supports them.

MEDIUM & GROWING BUSINESSES

More activity.
A simpler process.

As customers and supplier relationships grow, your payment arrangements need to keep pace. We help identify where better references, repeatable steps and the right service setup can support your business.

Plan for your next stage ↗
01

Bring payments together.

Review payment volumes and recurring payments as an enquiry topic, activate only where provider arrangements and consents are in place.

02

Local first. Global when you need it.

Discuss domestic disbursements (third-party rails where activated), foreign exchange where Monfina’s AFSL applies, and foreign currency supplier payments / remittance via the applicable provider (Monfina Payments for remittance).

03

Review your pricing.

Request a quote informed by payment frequency, expected volumes and service requirements.

ENTERPRISE & COMPLEX OPERATIONS

A bigger picture.
A considered setup.

Start with a discovery conversation. We map payment volumes, incoming payments, approval requirements and reconciliation needs against services that can actually be supported by provider agreements before discussing activation.

Arrange enterprise discovery ↗
01

Map the requirements.

Set out currencies, beneficiaries, payment schedules, controls and reporting needs.

02

Review payment arrangements.

Discuss payment workflows and provider arrangements for your setup. See the connectivity definition under capabilities.

03

Plan implementation.

Agree responsibilities, onboarding steps and support arrangements before activation.

ILLUSTRATIVE EXAMPLE

B2B Payment Flow

An Australian business needs to pay an overseas supplier.

Named providers. Practical next steps.

Start a B2B enquiry
  1. 01

    Enquiry

    The business tells Monfina the amount, currency and timing.

  2. 02

    Understand the service

    Monfina explains the applicable FX, payment or remittance arrangement and the providers involved.

  3. 03

    Verify & onboard

    The required customer identification, compliance checks and disclosures are completed.

  4. 04

    Arrange

    The applicable Monfina entity arranges the relevant service with the third-party provider.

  5. 05

    Settlement

    The payment is processed through the applicable bank or payment infrastructure and reaches the intended recipient.

Illustrative example only.

A CONNECTED SERVICE RANGE

From payment tasks
to possibilities.

Everyday payments, foreign exchange, recurring payments and supplier payments, each set up with the right banking or payment partner for the way your business works. Full detail on roles is on our Financial Services Guide page.

01AUSTRALIAN PAYMENTS

Domestic payment
connectivity.

Pay and get paid across Australia through NPP, PayID and BPAY, via our banking and payment partners. We confirm the provider before anything goes live.

  • NPP / PayID / other rails via partners
  • Timing and beneficiary details confirmed
  • Provider identified before activation
Explore domestic payments ↗
02RECURRING PAYMENTS

A rhythm for
repeat payments.

Direct debit operates via a third-party provider. Explore authorised recurring payments and subscription arrangements, where activated.

  • Agreed customer authorisations
  • Scheduled payment requirements
  • Dishonour and cancellation processes
Explore direct debit ↗
03BILLS & SUPPLIERS

Take care of
what keeps you going.

Supplier and bill payments use third-party BPAY / banking providers, not Monfina-owned schemes. We help you clarify payment details, deadlines, references and available options where activated.

  • Australian bill payments via third-party providers where activated
  • Australian supplier payments, plus foreign currency payments where the applicable provider supports them
  • Instructions and timing confirmed before you proceed
Talk about business payments ↗
04FOREIGN EXCHANGE SERVICES

Foreign exchange
services.

Pay suppliers and get paid in the currencies you trade in, with the rate and fees shown before you commit.

  • Rate and fees confirmed before you proceed
  • Remittance via Monfina Payments, which is registered with AUSTRAC to provide remittance services
Explore foreign exchange ↗

We’ll confirm setup, documents and onboarding before you go live. Financial Services Guide

VALUE THAT STARTS WITH YOUR NEEDS

Pricing before
you proceed. A tailored quote.

Payment costs should make sense for the way you move money. Ask us for a quote based on your transfers, currencies, payment volumes and service requirements.

We’ll walk you through fees, the exchange rate (if any) and other charges before you decide. Quotes are indicative until confirmed in writing. Any applicable third-party fees, charges, spreads or provider costs will be disclosed or identified before you proceed, where applicable.

Request a tailored quote

LET’S BUILD THE QUOTE AROUND YOU

01

Where is the money going?Australian payments first; currencies and destinations if you need them.

02

How do you move it?Payment size, frequency and expected volumes.

03

What does your business need?Payment connectivity, foreign exchange and support.

Quotes are subject to the available service, transaction details and market conditions. Final pricing is confirmed in your quote before you proceed.

LET’S GET THE DETAILS CLEAR

Your next questions.
A good place to start.

Also see our full FAQ.

Can I use MONFINA as an individual?

Yes: Australian businesses, organisations and individuals, subject to the applicable service, provider requirements, onboarding and eligibility criteria. Tell us what you need and we’ll explain the options.

Can you help with both receiving and sending money?

Yes, receiving and sending. We can talk domestic payments via banking partners, and foreign exchange under Monfina’s AFSL. Payment setups are confirmed once we know your workflow.

How do we get pricing and get started?

Send an enquiry or request a meeting. We’ll discuss an applicable quote and explain the required onboarding information. Email is usually the fastest way to reach us; phone response times can vary. Payment processing times depend on the service and relevant checks.

START WITH A CONVERSATION

Tell us your goal.
Let’s connect the next steps.