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Create a PayID with a mobile number – business customers

ANZ Internet Banking for Business administrators can link a mobile number, email address or ABN/ACN to an eligible bank account to use as a PayID. This PayID can be used to receive secure payments quickly on behalf of the business.

To create a PayID using a mobile number, an administrator will need an eligible bank account and a mobile number to link it to.

How do I create a PayID with a mobile number?

To create a PayID, you’ll need to be logged in to ANZ Internet Banking.

  • Select “Manage PayIDs”.
  • Select “Create a new PayID”.

Step 1 – Select mobile number as the PayID type

  • Select “Mobile number” from the list of available PayID types.
  • Then select “Next”.

Step 2 – Select or add a mobile number

  • You can either;
    • Select the mobile number from the list of available numbers to be used as a PayID, or;
    • Enter a mobile number to be used as a PayID.
    • Note: you’ll need to verify your ownership of the mobile number you select or enter to use as a PayID.
    • Note: the mobile number displayed on this page is the mobile number saved in your ANZ business profile.
  • Select “Next”.
  • Note: Each mobile number can only be used to create one PayID. If a mobile number is greyed out and can’t be selected it’s because it’s already been used to create a PayID.

Step 3 – Select an account to link to the mobile number

  • Select the eligible account that your business will receive payments to.
  • Then, either;
    • Confirm the name that will be displayed for payee receipts and confirmations sent to your business’ PayID, or;
    • Select the name that will be displayed for payee receipts and confirmations sent to your business’ PayID (if there is more than one available name).
  • Then select “Next”.
  • Note: The name/s displayed on this page are the name saved in your business profile and the name associated with the selected account. If these names are the same only one name will be displayed.
  • Note: Bank accounts that appear greyed out on this screen cannot be selected as they aren’t eligible to be linked to a PayID. Find out about PayID eligible accounts.

Step 4 – Enter the verification code

  • A verification code will be sent to the mobile number being used to create your business’ PayID. If a verification code isn’t sent to this number within a few minutes, select “Resend” to request a new code.
  • Enter the verification code into the field marked “Verification code”.
  • Then select “Next”.

Step 5 – Submission

  • Your request to create a PayID should now be submitted.
  • Carefully read the information provided on this page, then either;
    • Select “Done” to return to the “Manage PayIDs” page, or;
    • Select “How to use your PayID” to learn more about how to use your business’ PayID.

Step 6 – Completion

  • You will receive a message to the business’ ANZ Internet Banking contact details when your PayID has been successfully created and is ready to use. This should only take a few minutes, but can take up to a few hours in peak times.
  • Your business can now receive fast and secure payments to the mobile number that you’ve used to create your business’ PayID.

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For further assistance please call the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.

Frequently asked questions

If you aren’t able to create a PayID using a mobile number it means that we don’t have a mobile number on file for your ANZ account, so you’ll need to update your ANZ contact details to create a PayID.

Please note that if you’ve already created a PayID using your only mobile number then you can edit your PayID.

No. Your PayID phone number is just being used as a simple identifier for your payers to address their payments to.

When a payee enters your PayID phone number they will see your PayID name to verify that they have the correct phone number, but they will not be able to see or access any of your account information.

A PayID type refers to the form of identifier linked to a bank account to create a PayID.

Eligible ANZ accounts can be linked to the following PayID types to create a PayID:

Eligible ANZ accounts can pay to the following PayID types:

Your PayID is the phone number, email address or ABN/ACN that has been linked to your bank account.

Your PayID name is the legal name associated with your PayID. It is used by payers to confirm your identify prior to making a payment to your PayID.

Any ANZ account which is eligible to receive faster payments via the Osko service can be linked to a PayID.

When you create a PayID, you’ll be able to see which of your account/s are eligible.

While most Australian banks should support payments to PayIDs, you may need to check with your payer to confirm whether or not they are able to make a payment to your PayID.

PayID is the naming service that allows you to send and receive payments using a mobile number, email address, ABN/ACN or Organisation IDs (Org IDs).  

Osko is the service that provides near real time transfers between participating accounts.

After you’ve successfully submitted your application, your PayID should be ready to use in a few minutes, however could take up to a few hours in peak times.

No. Your PayID is only for receiving payments and cannot be used to access your accounts.

Yes. PayID provides a simpler addressing method for sending payments; however payments can still be addressed to your BSB and Account number if you create a PayID for that account.

You can only link each of your PayIDs to one eligible bank account.

You can only link each of your PayIDs to one eligible bank account.

No, your PayID is only for receiving payments.

You can create a PayID using each of the email addresses and mobile numbers that you have listed as contact details with ANZ.

If you have an eligible ANZ business account you can also create a PayID using an ABN/ACN.

No. PayIDs do not attract any additional charge and can be created by any ANZ account holder who has registered a mobile number, email address or ABN/ACN with ANZ and has an eligible ANZ account to link it with.

To pay to a PayID an account must be both NPP eligible and eligible to make Pay Anyone payments.

PayID information is stored in a Central Addressing Server (CAS). This information includes your PayID and your PayID name as well as the institution name and BSB and Account numbers of your linked account.

Yes, you can change the linked account for a PayID.

No. Osko payments are sent independently of the PayID system.

For a payment to be sent via the Osko service it requires both of the accounts to be registered to send and receive Osko payments.

Eligible ANZ accounts can send and receive Osko payments. Whether or not the payment is sent via the Osko service depends on whether your account is eligible, and whether the payee’s account can receive Osko payments.

When receiving a payment, whether or not your payment is sent via the Osko service will depend on whether or not your account and the payer’s account are registered to send Osko payments.

With ANZ, any customer or business customer can create a PayID as long as they have an eligible ANZ account, as well as a phone number, email address or ABN/ACN to link to it.

PayIDs can’t be used to withdraw from an account. They are designed to make sending and receiving payments easier.

Payments to PayIDs are only supported within Australia.

Once you’ve created it, you can request payments by giving payers your mobile number, email address or ABN/ACN.

Learn how to pay to a PayID

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