What Payble does

Payble Pty Ltd is an Australian fintech founded in 2020 that operates a payment experience platform purpose-built for local government councils in Australia and New Zealand. The platform enables councils to offer residents flexible payment options including weekly, fortnightly, and monthly instalments via direct debit, recurring card payments, and QR-code initiated flows, while automating reminders, payment repair, hardship arrangements, and two-way SMS engagement. Payble integrates natively with the three dominant council ERP systems in Australia and New Zealand — Civica Authority, TechnologyOne, and Infor — without requiring councils to replace existing billing infrastructure.

The platform is modular, with capabilities spanning Digital Direct Debit, Recurring Card Payments, Digital Arrangements and Hardship Support, Automated Proactive Payment Repair, Two-way SMS Engagement, Open Banking verification under Consumer Data Right accreditation, and digital notices with sentiment pulse-checks. Payble holds PCI-DSS and ISO 27001 certifications, enabling councils to take card payments without absorbing internal PCI compliance overhead. The company has signed 50+ local government customers across Australian states and four New Zealand councils, with 200,000+ residents using the platform.

Payble monetises through enterprise B2B SaaS subscriptions priced per council on a quote-based, annual billing model, distributed via direct enterprise field sales targeting council CFOs, Revenue Managers, and IT Coordinators. The go-to-market is reinforced by content marketing (webinars, case studies, proprietary arrears research), a channel partnership with Atturra, and co-marketing with ERP integration partners. The company has raised approximately $6M in total seed funding across multiple rounds led by Commonwealth Bank's x15ventures (cumulative ~$2.55M) and OIF Ventures ($3.5M lead in December 2023, plus a $1.6M secondary purchase in September 2025), and is exploring UK market entry in 2026.

Name

Payble

Legal name

Payble Pty Ltd

Website

https://payble.com.au

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Payble is an Australian fintech that provides a payment experience platform for local government councils in Australia and New Zealand, enabling flexible payment plans, direct debit, automated reminders, and native ERP integrations to reduce arrears and improve ratepayer satisfaction.

Ownership category

akta.pro rank

Product category

Government Payment Technology

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)

SIC

Services-Prepackaged Software (7372), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Utility & Municipal Billing Platforms (FSAMAJAG)

akta.pro secondary industries

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Biller Direct EBPP Platforms (FSAMAJAA), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

Keywords

• Government payment platform
• Council rates collection
• Local government fintech
• Digital direct debit
• Payment automation software

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. SaaS Platform Subscription: Payble charges councils for access to their payment experience platform. The platform enables councils to offer flexible payment options to ratepayers, improving cash flow and reducing administrative burden. Pricing is likely per-council or based on transaction volume.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Payble provides a Payment Experience Platform for local government councils that enables ratepayers to set up flexible payment plans (weekly, fortnightly, monthly instalments) via QR codes, SMS, or email, with automated direct debit, recurring card payments, proactive reminders, and Open Banking verification. The platform integrates natively with major council ERP systems (Civica, TechOne, Infor) without requiring system replacement, and is PCI-DSS and ISO 27001 certified.

Product overview

Payble is a Payment Experience Platform for local governments, consisting of a core platform with integrated modules. The core platform enables councils to offer flexible, automated payment options including QR code payments, direct debit, and recurring card payments. This core is augmented by specialized modules: Capture and Verify Details (NAR data quality and Open Banking verification), Engaging Disengaged Residents (conversational communications), Event Reminders and Notifications (SMS/email reminders), Measuring Customer Sentiment (pulse-checks), Automated and Proactive Repairs (payment repair automation), Digital Arrangements and Hardship (flexible payment plans), Recurring Card Payments, Digital Direct Debit, and Digital Notices. The platform integrates natively with major ERP systems including Civica, TechnologyOne (TechOne), and Infor.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Experience Platform

Quantifiable outcome

• CFOs recover over 200 hours per month of team time when switching to Payble
• +7 more outcomes

Named customers11 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core and minor.

• CivicacoreTechnology or IntegrationIntegration partnership with Civica (Authority Payments) enabling councils using Civica's ERP system to add Payble's payment experience platform. Featured as first-mover councils including Wellington Shire Council, Town of Victoria Park, Cessnock City Council, and City of Wanneroo.
• TechOne (TechOne)coreTechnology or IntegrationFull integration with TechOne property and rating systems. City of Parramatta implementation on TechOne (formerly Infor Pathway) demonstrates seamless integration without system replacement.
• InforcoreTechnology or IntegrationIntegration partnership with Infor showing compatibility with Infor Pathway and other Infor systems used by councils for property and rating management.
• AtturraminorChannel Partner/ Reseller/ DistributorAtturra partnership announced to help councils implement Payble. Atturra is an Australian technology services provider serving local government.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PayIt: US-based digital government payments platform that enables citizens to pay taxes, utilities, fines, and other government bills online. PayIt is the closest international analog to Payble, sharing the same vertical focus and similar technology stack for council/municipal billing.
• Paymentus: US-listed electronic bill presentment and payment (EBPP) provider serving utilities, municipalities, and government agencies. Comparable to Payble in offering recurring billing, payment plans, and notification workflows for municipal and utility customers.

Broad incumbents

• Bill.com: Public SMB-focused bill payment and accounts payable platform serving hundreds of thousands of businesses. While not council-specific, Bill.com is a comparable SaaS bill-pay incumbent with similar payment orchestration, recurring billing, and notification capabilities.
• Stripe: Global payment infrastructure platform offering payment gateways, recurring billing, and developer APIs. While Stripe is a horizontal payments giant rather than a vertical platform, it represents the primary alternative technology stack councils could adopt if Payble's vertical specialisation did not justify the premium.
• OpenGov: US-based government software platform serving finance, budgeting, procurement, and citizen services for state and local government. OpenGov is a comparable broader-incumbent in the local government SaaS market with potential to add payments functionality to its suite.
• Granicus: Government experience cloud platform serving communications, service requests, and digital workflows for public sector agencies. Granicus is a broad government SaaS incumbent whose communications and engagement capabilities overlap with Payble's two-way SMS and notification modules.

Others

• Civica: Global supplier of software for the public sector with a strong presence in council ERP and payments systems (Authority Payments). Civica is both a current integration partner and a potential competitor with the scale to add competing payment experience functionality directly into its ERP.

Regional players

• Ezidebit: Australian recurring payment and direct debit provider serving a range of verticals including utilities, education, and government. Ezidebit is a comparable ANZ-based payment platform offering recurring billing and direct debit functionality similar to Payble's core modules.
• Allpay: UK-based bill payment specialist serving local authorities, housing associations, and utilities. Allpay is a directly relevant peer for Payble's UK expansion plans given its established position in the English council market and similar focus on direct debit and payment arrangements.
• Windcave: New Zealand-headquartered payment gateway provider operating across Australia and the Pacific. Windcave is a relevant regional incumbent in the same ANZ payment infrastructure market where Payble operates, offering merchant gateway services that compete for the same council payment processing budget.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/payble
• LinkedInlinkedin.com/company/payble-payments

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds5 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Payble