PaySure Payment Gateway for Property Sellers

Below is information to assist you as you review payment options for the sale of your property.

Click the ‘+’ next to each section to see more information.

  • PaySure is a Real Estate industry specialist that provides innovative solutions to support the unique needs of property sellers.

    Our payment gateway provides you with unrivalled options to pay the costs you incur to prepare, market and sell your property.

    o) Pay On Success®. Start your sale advertising now. Pay your costs when you sell. Peace of peace of mind you don't pay if you don't sell.

    o) Pay Later. Start your property’s sale advertising now. Pay when you sell, don’t sell, or 180 days from the loan activation date.

    o) Pay Now. Pay your costs now via Stripe’s secure payment gateway.

    In addition, PaySure’s Settlement Advance means you can access your money as soon as your property sale is unconditional, so you don’t have to wait until settlement.

    To find out more see below.

  • Pay Now means you will pay your costs in full before your property’s sale advertising starts. When you select Pay Now you are able to select to pay via credit or debit card or bank transfer.

    Payment by bank transfer is fee free. Payment by credit or debit card incurs standard transaction fees.

    Once you have completed your payment we will send you a payment confirmation.

  • We ask you a few questions about your property and your upcoming sale so we can offer you a Pay Later or Pay On Success® loan for your costs. Please answer accurately so we provide the right options to you.

    The answers you provide to us should match how your agent will advertise your property.

    If any answers change, please update the information to ensure we provide you with accurate payment options. You can access your answers using your payment link.

    We have provided you with explanations of some helpful terms below.

  • We ask you to provide the address of the property you are selling to ensure the payment options we provide to you are for the right property.

  • We ask you for details about the property you are selling to ensure the payment options we provide to you are accurate.

    You can click the arrows to review and choose your property’s type and you can click the minus or plus buttons to change the number of bedrooms, bathrooms and parking.

    For more information on property types click HERE.

  • We ask you for the name of the agent who will sell your property and the name of their agency office to ensure the payment options we provide to you are accurate.

    If your agent’s office is not on our list, you can add it manually.

  • We ask you which month you and the agent you have provided to us will start to advertise your property on realestate.com.au or Domain to ensure the payment options we provide to you are accurate.

    NOTE: realestate.com.au and Domain are Australia’s two largest Internet based real estate advertising websites.

  • We ask you for the estimated selling price in your agency agreement with the agent you have provided to us to ensure the payment options we provide to you are accurate.

    Please click HERE if you are not sure where to find the valuation in your agency agreement

  • We ask you how you and the agent you have provided to us will sell your property to ensure the payment options we provide to you are accurate.

    Methods to sell a property are:

    o) Auction. A public sale is scheduled at which your property may be sold to the highest bidder. If your property does not sell at the scheduled auction or you and your agent decide not to proceed with the scheduled auction, your sale campaign needs to continue until 90 days from the date your property advertising commenced.

    o) Any other method. All sale types except an auction sale; for example, private treaty or expressions of interest sales.

  • We ask you for your conveyancer's details as they will assist to repay your Pay On Success or Pay Later loan at settlement.

    If you select Pay On Success or Pay Later, we will contact your conveyancer on your behalf to advise them that when you sell your property your loan will be payable on exchange and due at settlement. We will provide your conveyancer with details of your loan, so they can include repayment of the loan in the settlement process.

  • We ask you for the details of ALL current owners of the property, so we can share key details about your Pay On Success or Pay Later loan with all owners when required.

  • We ask you to take a moment to review the answers you have provided to us to ensure the payment options we provide you are accurate.

    If any answers are not correct, you can edit them and the changes will be automatically saved.

    The answers you provide to us should match how your agent will advertise your property.

  • Pay On Success® is a great option as it removes the stress of funding your costs now. We will provide a loan for your costs, which is repaid when you sell your property and funds are available at settlement.

    This means that if your property doesn’t sell, you have peace of mind as you don’t repay the loan for your costs.

    We have provided you with explanations of some helpful terms below.

  • To access the opportunity to repay the loan for your costs when you sell your property and don’t pay if you don’t sell, you will be asked to pay a fee. This fee is due before your property is advertised on realestate.com.au or Domain. There are no ongoing fees.

    The fee quote is valid for 30 days. The fee may change if you change any details about the property and sale process before accepting the quote.

    NOTE: realestate.com.au and Domain are Australia’s two largest Internet based real estate advertising websites.

  • In return for peace of mind that the loan for your costs will be due when you sell your property and you don’t pay if you don’t sell, we ask you to comply with a committed sale process.

    The committed sale process starts on the date you start advertising your property on realestate.com.au or Domain, and continues for 90 days for a standard auction and 120 days for all other sale methods.

    During the committed sale period we ask you to:

    o) maintain your sale listing on realestate.com.au or Domain;

    o) not obstruct the sale process;

    o) not advertise your property for rent or sign any rental agreement (including short-term or holiday rentals).

    If you don’t comply with the committed sale process, you will need to repay the loan for your costs.

    We have provided you with explanations of some helpful terms below.

  • Australia’s two largest Internet based real estate advertising websites.

  • The date your property is first advertised for sale on realestate.com.au or Domain with the agent you have provided to us.

  • Your property is advertised for sale on realestate.com.au or Domain.

  • Your property is not advertised for sale on realestate.com.au or Domain.

    Your agent will use their network of potential buyers to promote your property, and may advertise it on their website or social media sites.

  • You advertise your property for sale without the assistance of a real estate agent.

  • A public sale is scheduled at which your property may be sold to the highest bidder.

    Please note that if your property does not sell at the scheduled auction or you and your agent decide not to proceed with the scheduled auction, your sale campaign needs to continue until 90 days from your campaign launch to comply with the committed sale process.

  • All sale types except an auction sale; for example, private treaty or expressions of interest sales.

  • You are not able to advertise your property for rent during the committed sale period.

  • You are not able to sign any tenancy agreement to rent your property during the committed sale period, including for short-term or holiday rental.

    You are able to maintain a current tenancy during the committed sale period, however the tenancy agreement cannot be renewed during this period.

  • You can change your agent during the committed sale period, provided you relaunch your property on realestate.com.au or Domain with a new agent within 7 days from the removal of advertising with your initial agent.

    The committed sale period will restart from the beginning, and your sale will need to continue to comply with the committed sale process.

  • Pay On Success cannot be provided for some types of sale campaign. We ask you to review the list carefully to confirm eligibility, to ensure you have peace of mind that you repay the loan for your costs when you successfully sell your property, and you don’t pay if you don’t sell.

    If your sale campaign is not eligible for Pay On Success, we will provide you with other payment options.

    We have provided you with explanations of some helpful terms below.

  • Legally binding contract between you and your real estate agent outlining your agent’s details and details about the property to be sold.

  • Your agent has exclusive rights to manage the sale campaign for your property for at least 90 days (or 60 days after auction).

  • Property is not used for any commercial/business activities.

  • Property that can be lived in by potential buyers immediately after settlement.

  • Property is one single building within the boundaries.

    Properties including a granny flat are eligible for Pay On Success. (Refer to the definition of ‘Granny Flat’ below).

  • Self-contained residential unit/building within the boundaries of a property.

    Properties that include a granny flat are eligible for Pay On Success.

  • Property is currently advertised for rent.

  • Property is currently advertised for sale on realestate.com.au or Domain by the agent you have provided to us.

    If your property is being advertised for sale by another agent, the advertising will need to be removed before your property is launched with your new agent.

  • Property is vacant with no buildings on it.

  • A multi-level block of predominantly residential units where entrances are usually common and units typically share one or more walls.

    A house converted into a block of residential units is included in this category.

  • Property will be advertised for sale when it has not been built yet or is still under construction.

  • Property is an example to present the potential layout, fixtures and finishes of residential properties to be sold off the plan (Refer to definition of ‘off the plan’ above).

  • Land used to cultivate animals and/or crops as a commercial/business activity. The land may include one or more residential properties.

  • Property sale is mainly targeted at buyers whose objective is to remove and rebuild or significantly renovate the property, resulting in the completion of a new or substantially upgraded building.

  • Defects that are likely to have a significantly negative impact on the prospects of selling the property.

  • Person or entity whose job or purpose involves buying and selling buildings or land, or arranging for new buildings to be built or substantially upgraded.

  • Person or entity who purchases a property that is typically not their primary place of residence with the objective of selling it within a short period of time.

  • Building works that create an asset, including construction and/or installation of facilities and fixtures that are part of the asset.

  • As a financial services provider with an Australian Credit Licence, we undertake responsible lending activities, which means we need to ask you a few questions about yourself.

  • As a financial services provider with an Australian Credit Licence, we undertake responsible lending activities.

    This includes ensuring you will have enough funds to repay your Pay On Success or Pay Later loan from settlement funds when you sell your property.

    We provide you an estimate of the amount you are likely to receive at settlement once you have sold your property, and we deduct the amount of your Pay On Success or Pay Later loan so you can determine if the funds remaining will repay all other debts relating to the sale, particularly your mortgage.

  • As a financial services provider with an Australian Credit Licence, we undertake responsible lending activities.

    This includes confirming your identity before we provide you with a loan. We are also required to collect this information to comply with anti-money laundering and counter terrorism financing legislation, which has been implemented to keep Australia safe from serious financial crime.

  • As a financial services provider with an Australian Credit Licence, we undertake responsible lending activities which includes ensuring that the loan is for activities related to the sale of your property. We request your invoices/quotes to confirm the items included meet this requirement.

  • The loan for your costs is only due if your property sells.

    We have provided you with explanations below.

  • The loan for your costs is paid when your property sells, and funds from the sale are released at settlement or the deposit if it is released prior to settlement.

    Your conveyancer or agent will usually manage this payment.

  • The loan for your costs is not due if your property does not sell within 12 months from the commencement of your sale campaign, and you have complied with the committed sale process.

    Sale is by the initial agent, any subsequent agent or privately, either on market or off market.

    Please refer to ‘Committed Sale Process’ above for definitions of key terms.

  • When you choose to Pay Later, you don’t pay anything now.

    Your costs and fees are not due until the earliest of settlement, when your’ property’s advertising is withdrawn with no sale or 180 days from the loan activation date.

    We have provided you with explanations of some helpful terms below.

  • As a financial services provider with an Australian Credit Licence, we undertake responsible lending activities, which means we need to ask you a few questions about yourself.

  • As a financial services provider with an Australian Credit Licence, we undertake responsible lending activities.

    This includes ensuring you will have enough funds to repay your Pay On Success or Pay Later loan from settlement funds when you sell your property.

    We provide you an estimate of the amount you are likely to receive at settlement once you have sold your property, and we deduct the amount of your Pay On Success or Pay Later loan so you can determine if the funds remaining will repay all other debts relating to the sale, particularly your mortgage.

  • As a financial services provider with an Australian Credit Licence, we undertake responsible lending activities.

    This includes confirming your identity before we provide you with a loan. We are also required to collect this information to comply with anti-money laundering and counter terrorism financing legislation, which has been implemented to keep Australia safe from serious financial crime.

  • As a financial services provider with an Australian Credit Licence, we undertake responsible lending activities which includes ensuring that the loan is for activities related to the sale of your property. We request the marketing budget to confirm the items included meet this requirement.

    Your agent will have described to you how they will promote your property, and will have outlined the advertising and marketing items they will undertake in a document that is usually provided with the agency agreement.

    You can contact your agent to ask for a copy of your marketing budget.

    In addition, you may be undertaking property preparation works using your Pay Later loan, so you should provide a copy of the items and costs for the work to be completed.

  • The loan for your costs is not due until the earliest of the events below:

  • The loan for your costs is paid when your property sells, and funds from the sale are released at settlement or the deposit if it is released prior to settlement.

    Your conveyancer or agent will usually manage this payment.

  • The loan for your costs will become due if the advertising for the sale of your property is removed from realestate.com.au and/or Domain.

  • The loan is due 180 days from the loan activation date.

  • If you have completed a payment selection application or payment, and then would like to change your mind please contact us via the form below so we can assist you.

  • Once the sale of your property is unconditional, you can access your money immediately so you don’t have to wait until settlement.


    Access up to 80% of free equity in the property you have sold up to a maximum of $350,000.

  • We ask you to provide the address of your property to ensure we provide funds for the right property.

  • If your property is owned by a Company or Trust, we require details regarding the ownership structure to ensure we are contracting with the correct entity.

  • We ask you for your details so we can share key details about any loan we provide with all owners when required.

  • A Settlement Advance loan can be accessed once the sale of a property is unconditionally exchanged, so we require the date this occurred.

    The loan is due on the date the property settles so we also require this date.

  • We require the deposit amount and a copy of the trust account receipt confirming the payment has been made as confirmation that the property sale is unconditional.

  • We are able to provide a loan of up to 80% of the free equity in your property, therefore we require the sale price of the property to calculate the maximum loan amount.

  • ListSure is able to lend up to 80% of the free equity in the property, therefore we require the amount of the mortgage to calculate the maximum loan amount.

  • We ask you to take a moment to review the answers you have provided to us to ensure the quote we provide you is accurate.

    If any answers are not correct, you can edit them and the changes will be automatically saved.

    • Service Fee: 3.69% of loan (deducted upfront)

    • Interest-Free for 60 days, then 1.99% per 30 days (daily accrual)

    • $400 caveat fee for loans over $50,000

    • Funds are sent to your nominated bank account once the loan is approved.

    • The loan and all fees are paid when the property settles.

  • As a financial services provider with an Australian Credit Licence, we undertake responsible lending activities.

    This includes ensuring you have the financial ability to repay the loan in compliance with the terms.

  • As a financial services provider with an Australian Credit Licence, we undertake responsible lending activities.

    This includes confirming your identity before we provide you with a loan. We are also required to collect this information to comply with anti-money laundering and counter terrorism financing legislation, which has been implemented to keep Australia safe from serious financial crime.

  • The dashboard provides you with key information regarding your payment options and the status of your loan applications.

  • The dashboard provides information about the fees for your loan and its current status.

    The loan for your costs will be due when your property sells, and funds from the sale are released at settlement or the deposit if it is released prior to settlement.

    You don’t pay your costs if your property does not sell within 12 months from the commencement of your sale campaign, and you have complied with the committed sale process.

    Sale is by the initial agent, any subsequent agent or privately, either on market or off market.

    Please refer to ‘Committed Sale Process’ above for more information.

  • The dashboard provides information about the fees for your loan and its current status.

    The loan for your costs will be due on the earliest of:

    o) Settlement. Your costs are paid when your property sells, and funds from the sale are released at settlement or the deposit if it is released prior to settlement.

    o) No sale. Your costs will become due if the sale listing for your property is removed from realestate.com.au and/or Domain.

    o) 180 days. Your costs will become due if your property has not sold 180 days from the loan activation date.

  • Your wallet has a credit limit of $30,000. You can access funds at any stage of your property sale journey via the apply for additional funds buttons for Preparation Costs or Sale Costs

  • The dashboard provides information about the fees for your loan and its current status.

    The loan and fees be due when the funds from the sale are released at settlement.

  • Sale Costs Loans
    When you sell your property your sale costs loans and fees will become due, and will be paid when funds from the sale are released at settlement or when the deposit is released if it is prior to settlement. Your agent or conveyancer will manage the repayment of the loan on your behalf.

    If your property does not sell, we will be in touch regarding the status of your loan.

    Settlement Advance Loan
    Your loan and all fees will be due when funds from the sale are released at settlement. Your conveyancer will manage the payment on your behalf.