How APS Recurring Payments Work
Set up mandates once and let APS handle the rest — simple, secure, and fully automated.
Why Recurring Payments Matter
For many businesses, getting paid isn't the problem — getting paid on time is. Chasing overdue invoices, sending reminders, and manually processing repeat charges wastes valuable time and creates uncertainty around cash flow. APS Recurring Payments eliminate that stress. By automating billing, you create predictable income, improve customer experience, and spend more time growing your business.
Step-by-Step Process
APS makes recurring billing easy for you and convenient for your customers.
Customer Authorises a Mandate
- Direct Debit (BECS):Customers complete a Direct Debit Request (DDR) form online or via a hosted link.
- PayTo:Customers approve the mandate instantly through their banking app, with full visibility and control.
This upfront authorisation ensures compliance, transparency, and trust.
You Schedule Payments
- Choose from daily, weekly, fortnightly, monthly, or fully custom billing cycles.
- Supports both one-off debits and ongoing subscriptions.
You decide how and when payments occur, giving flexibility to match your business model.
APS Collects Automatically
- Payments are debited securely from your customer’s bank account on schedule.
- Failed payments trigger instant notifications and automatic retries, reducing manual follow-ups.
This automation means fewer headaches and more reliable cash flow.
You Get Paid
- BECS Direct Debit:Typically 2–3 business days
- PayTo:Near real-time settlement for faster access to funds.
All payments appear in your APS dashboard alongside EFTPOS, Online Payments, and POS — giving you one clear view of your revenue.
Key Features
APS Ecommerce Payments is designed to give online merchants all the tools they need to succeed
Hands-Free Billing
Set it up once, APS manages collections automatically.
Unified Reporting
View recurring, EFTPOS, POS, and online payments in one place.
Lower Costs
Bank-to-bank payments often cost less than card transactions.
Faster Settlement with PayTo
Get paid quicker and improve cash flow.
Compliance Built-In
DDR agreements and PayTo mandates meet all Australian regulations.
Hands-Free Billing
Set it up once, APS manages collections automatically.
Unified Reporting
View recurring, EFTPOS, POS, and online payments in one place.
Faster Settlement with PayTo
Get paid quicker and improve cash flow.
Compliance Built-In
DDR agreements and PayTo mandates meet all Australian regulations.
Who It's For / Use Cases
APS Recurring Payments is perfect for businesses with repeat billing cycles
Gyms & Fitness Centres
Automate weekly or monthly membership fees to keep cash flow consistent.
Schools & Childcare Providers
Manage tuition fees, enrolment costs, or extracurricular activity payments.
Professional Services
Collect retainers, ongoing consulting fees, or scheduled project billing.
Retail & Subscription Boxes
Run membership clubs, deliver monthly boxes, or manage loyalty subscriptions.
Property & Strata Managers
Simplify levies, utilities, and recurring property charges.
Clubs & Associations
Manage member dues without chasing renewals.
Health & Wellness Providers
Set up recurring debits for personal training, massage packages, or wellness plans
Merchant Stories
“We switched to APS and now all our gym memberships run automatically. Staff no longer chase payments, and members love the convenience.”
Gym Owner, Brisbane
“Our childcare centre moved to APS Recurring Payments, and cash flow has never been smoother. Parents appreciate the simplicity.”
Childcare Director, Sydney
FAQs
Direct Debit (BECS) is Australia's established system for recurring payments, with settlement in 2–3 business days. PayTo, built on the NPP, authorises instantly in a banking app and settles in near real time. APS supports both options.
Simple, Automated, Reliable
With APS Recurring Payments, getting paid is as simple as setting a schedule. From gyms and childcare centres to subscription retailers and professional services, APS ensures you get paid on time, every time — while saving you hours of admin.