PROCESSING PAYMENTS IN THE SMS THROUGH PAYRIX

Who is Payrix?  

Payrix is a payment partner that provides a secure payment gateway and payment processing integrated within the eSkilled SMS.  

Absolutely. Payrix is known for its commitment to security and compliance. The integrated system adheres to PCI-DSS standards and uses state-of-the-art encryption and fraud detection technologies.  

All client payment-related data is stored with our partner processor and payment gateway, Payrix. Any payment details in the SMS are being pulled from the saved information from Payrix, who stores this information following the Government’s privacy and security laws and regulations.  

 

Payrix keeps all client processing data onsite in Australia. With both data centres being in Sydney, your data is stored and handled as per Australian Government laws and guidelines. 

The table below shows the Standard fee rates for Monthly transaction values of $ 1.00 - $75,000.00. 

 

Fee Type	Per Transaction inc GST
VISA/Mastercard MSF	1.70%
AMEX MSF	1.95%
Card Transaction	$0.25

 

Other fees and charges:  

 

Fee Type	Amount
Settlement Fees	$0.99
Data Storage Fees	$2.20
Minimum Monthly Fee	$24.95

The Monthly Minimum Fee is the fee charged to any active Merchant account whose Monthly Transaction Value in is less than the Minimum monthly fee amount.  

There are two ways to sign up as a Payrix Merchant.  

• If you are already subscribed and have access to the SMS, a Payrix Merchant Application button can be found in Administration > Settings > Details > Payments and Declarations. Use this button to be redirected to the Payrix Application Form.  
   
• If you do not have access to the SMS yet and would want to start your application for the merchant account early, you may contact your Account manager and provide them with the following details so we can start off your application process. You will receive an email with the link to continue the application on your end.  

 

Note: For clients who are processing more than $75,000 in monthly transaction values, you may also contact your Account manager or the Support team so you can access better tier rates. Provide us with the same details as noted above and we will start off your application from our end.  

• Complete Application form – complete all the fields and document requirements in your application.  
• Acceptance of the Terms and Conditions - ensure that your authorised signatories accept the Terms and Conditions (sent via email) to complete your application.  
• Assessment Stage – once your application is complete, Payrix team will start the assessment of the application. In case there are any additional requirements needed, Payrix support team will get in touch with you to request.  
• Account Creation - Once assessment is complete and your account is approved, your account will be created. Your Payrix details will be sent to you via email so you can set up integration with the SMS. You will also receive your Merchant account credentials and information on how to book training to use your Merchant portal with Payrix support.  
  

• Australia Business Number (ABN) - used for the ABN verification process to match your company with its relevant ASIC record for the purpose of validating the application.  
• Company Banking Details - needed to verify company bank account and confirm which accounts will be used for billing and settlement.  
  
• BSB, Account Name and Account Number for the billing and settlement, AND 
  
• Front page of recent bank statements (dated within 3 months of application) or stamped letter from your bank with your account details visible on the document provided.  
  

• Description of the goods you provide, average value of transactions and highest single transaction amount expected to be processed through Payrix/SMS.  
• Confirmed details and form of identification of a Director or Authorised Representative, a beneficial owner with 25% or greater ownership in the company (can be sent as a request link so Owner/Director can complete this to protect their personal information) 
  
• Full Name, DOB, Residential Address, Ownership % and Role in business 
  
• Clear copy of current Driver’s license, Passport  
  

 

Applicable owners (those with 25% or more share in your company), Directors and/or Authorised Representatives such as President, Chairperson, board Member, CEO, CFO.  

 

The owners/directors or authorised representatives that are listed in the application form will receive an email link for them to verify their information and upload any personal identification information required. 

Once all your Owners, Representatives and/or Directors have completed their details, you will need to elect 1 or more signatories to verify your application and authorise your company to receive financial services from eSkilled and Payrix. If you only have one (1) Owner or Director, you will need only one (1) signatory. If you have 2 (two) or more Owner or Director, you will need signatures from at least two (2) of your Owners, Directors and/or Authorised Representatives.  

Unfortunately, no, the application needs to have the names of the individual/s that have ownership of the company for Know-Your-Customer/Client (KYC) and Anti-Money Laundering (AML) purposes. 

Yes! You may apply for a Payrix Merchant account while waiting for your RTO Registration. Once your application is approved by Payrix, your account will be created but will be inactive until you are ready to start processing payment. During this period, the minimum monthly fee (MMF) is waived for your account. When your registration is approved and you are ready to start accepting enrolments, send us a copy of your registration information and we will submit this to Payrix for reassessment. Once your reassessment is approved, your site will be activated, and you can start accepting payments.  

 

Note: Registering RTOs will have their approved Payrix Merchant account inactive for a duration of 12 months from the date of application. Once the 12 months have passed you will need to start a new application process as part of the Risk Assessment policy of Payrix.  

 

Once your signatories have accepted the Terms and Conditions of the Application, they will see a message in the application confirmation that the application has moved to the next stage. 

Once your Merchant application has been received and moved to the assessing stage, approval and access follows the typical timeline below:  

• 2 – 3 days Risk Assessment 
• 2 – 3 days Account set up and creation 
  
• 
  

Timeframes can change in cases when during Risk Assessment, Payrix team has additional documentation or information required. Timeframe may also adjust depending on the number of applications in the queue. 

You may reach out to Payrix’s Client Success team for all things related to the Payrix Merchant Portal. They can be contacted on 1300 592 283 or via admin@payrix.com.au 

For all concerns related to the SMS, you may reach out to our Customer Success team at 1800 884 811 or via support@eskilled.com.au 

Payrix has extensive information available on their website covering their Terms and Conditions, Privacy Policy, PCI DSS documentation and other relevant information on Payrix. Visit this link for more details: Payrix Resource