AccessPay
AccessPay Pty Ltd is an Australian salary packaging administrator, founded 2001 and wholly owned by ASX-listed Smartgroup Corporation, that exclusively serves the not-for-profit sector — charities, PBIs, NFP hospitals, disability and aged care providers — with pre-tax salary packaging, a prepaid Mastercard, novated leasing, and related employee benefit products.
- Company typePrivate
- Founded2001
- HeadquartersAdelaide, Australia
- Headcount11–50
- GTM typeB2B
- OfferingServices
What AccessPay does
AccessPay Pty Ltd is an Australian salary packaging administrator founded in 2001 and headquartered in Adelaide, operating as a wholly-owned subsidiary of ASX-listed Smartgroup Corporation Ltd since the 2017 acquisition. The company exclusively serves the not-for-profit sector, with employer customers across charities, Public Benevolent Institutions (PBIs), not-for-profit hospitals, disability services, aged care providers, and — more recently — private education employers classified as rebatable. Its core product is salary packaging administration: redirecting a portion of an employee's pre-tax salary to cover everyday living expenses (mortgage, rent, bills, groceries, petrol), reducing taxable income and increasing take-home pay. Supporting products include a prepaid reloadable Mastercard (issued by EML Payment Solutions with Apple Pay and Google Pay support), novated leasing via sister-brand Smartleasing, a Salary Packaging Calculator updated for the 2025-26 financial year, a Financial Wellness Program, and Remote Area Benefits for ATO-classified remote workers.
The technology stack is a web-based administration platform with an online account portal for claims and document submission, native iOS/Android apps, and rule-driven calculators tied to current ATO rates and FBT caps. The platform integrates with employer payroll systems and supports digital-wallet-enabled card spending, but does not expose a public API or any AI/ML capabilities based on the source data. Distribution is B2B2C: AccessPay signs employer organisations, assigns dedicated Subscriber Service Officers, and runs in-person workplace visits to onboard employees individually, supplemented by digital self-service and a National Advisory Centre.
Revenue comes from recurring annual administration fees, billed either to the employer or the employee depending on the employer's policy. AccessPay serves tens of thousands of customers nationally with a lean team of 11-50 employees, leveraging Smartgroup's shared infrastructure for scale. Industry endorsements from National Disability Services, Leading Aged Services Australia, Ability First Australia, and Aged & Community Services Australia, plus a 2021 ProductReview.com.au award, support its positioning as the specialist provider for the NFP salary packaging market in Australia.
AccessPay firmographics
Firmographics- Name
- AccessPay
- Legal name
- AccessPay Pty Ltd
- Website
- https://accesspay.com.au
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- AccessPay Pty Ltd is an Australian salary packaging administrator, founded 2001 and wholly owned by ASX-listed Smartgroup Corporation, that exclusively serves the not-for-profit sector — charities, PBIs, NFP hospitals, disability and aged care providers — with pre-tax salary packaging, a prepaid Mastercard, novated leasing, and related employee benefit products.
- Ownership category
- akta.pro rank
AccessPay industry classification
Industry- Product category
- Employee Benefits Administration
- NAICS
- Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Health and Welfare Funds (525120)
- akta.pro primary industry
- Embedded Payroll, Earned Wage Access & Benefits Finance (FSAGALAI)
- akta.pro secondary industries
- Pay Card Programs & Earned Wage Access (EWA) Administration (BPACAIAK), Instant Payouts & Earned Wage Access (EWA) (FSAMAKAM)
Keywords
Where AccessPay is headquartered
LocationHeadquarters
- HQ city
- Adelaide
- HQ country
- Australia
- HQ region
- Oceania
Offices3 records
Markets served
AccessPay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Salary Packaging Administration Fees: AccessPay charges administration fees for salary packaging services. Fees may be paid by either the employer or the employee depending on the employer's policy. The full annual administration fee may be payable if services are terminated throughout the year or if the salary packaging cap is maximised. Additional fees may apply for specific services such as returning transaction copies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Employer-paid or Employee-paid Administration Fee |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels10 records
AccessPay product offering
Product offeringCore offering
AccessPay administers salary packaging arrangements for employees of not-for-profit, charity, healthcare and education organisations in Australia, enabling them to redirect pre-tax salary toward living expenses, meal entertainment and other benefits. The company partners with employer organisations (B2B2C) and provides digital account management tools, a reloadable Mastercard, and novated lease administration through its sister brand Smartleasing.
Product overview
AccessPay provides a suite of salary packaging and employee benefits services primarily serving the not-for-profit, healthcare, and charity sectors in Australia. The core offering is Salary Packaging — a tax-advantaged arrangement allowing employees to redirect pre-tax salary to cover living expenses. This is administered through an online account portal and a reloadable Salary Packaging Mastercard. A key add-on is the Novated Lease product (delivered via Smartleasing) for tax-effective vehicle financing. Supporting tools include a Salary Packaging Calculator, a Financial Wellness Program, and Remote Area Benefits for employees in eligible remote locations. The product portfolio works as an integrated service: the core salary packaging engine manages deductions and reimbursements, the card provides day-to-day spending access, the novated lease extends the offering to car ownership, and the calculator and wellness program support employee engagement and uptake.
Differentiator
Problem solved
Functional benefit
Products and services
- Salary Packaging Core service allowing employees of eligible not-for-profit, charity, healthcare and education organisations to redirect a portion of their pre-tax salary toward everyday expenses such as mortgage, rent, bills, groceries and petrol, reducing taxable income and increasing take-home pay.
- Salary Packaging and Meal Entertainment Card Prepaid reloadable Mastercard issued by EML Payment Solutions Limited that gives employees access to their salary packaging funds for everyday spending on groceries, shopping, and petrol. Supports digital wallet integration with Apple Pay and Google Pay.
- Novated Lease Vehicle financing product delivered through Smartleasing that bundles car finance and running costs into a single salary-deducted payment. Employees benefit from GST savings on vehicle purchase and income tax advantages, with options at end of lease to upgrade, sell, refinance, or purchase outright.
- Remote Area Benefits Extended salary packaging benefits for employees living and working in ATO-classified Remote areas, including remote area rent, mortgage interest, utilities, residential property purchase, and holiday transport. Only 50% of remote area benefits count towards the standard annual living expenses cap.
- Salary Packaging Calculator Online estimation tool that calculates potential tax savings and take-home pay differences based on user inputs such as salary, employer type, living expenses, meals/entertainment, HECS/HELP debt status, and sector. Updated to reflect May 2025 Federal Budget and 2025-26 financial year tax rates.
- Financial Wellness Program Program providing employees with resources and guidance to improve their financial situation, maximize entitlements, and make smarter everyday financial decisions.
Quantifiable outcome
- Charity workers can receive over $4,400 extra annually through salary packaging
- +3 more outcomes
Companies that use AccessPay
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles3 records
AccessPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
AccessPay partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core, supporting and minor.
- Smartgroup Corporation LtdcoreAccessPay was acquired by Smartgroup Corporation Ltd in 2017. Smartgroup is an ASX-listed company providing employee benefits and salary packaging services. AccessPay operates as part of Smartgroup's portfolio of related bodies corporate including Smartgroup Benefits Pty Ltd, Smartfleet Management Pty Ltd, Smartsalary Pty Ltd (including Smartleasing), PBI Benefit Solutions Pty Ltd, and others.
- SmartleasingcoreSmartleasing is a registered trading name of Smartsalary Pty Ltd and is AccessPay's novated lease provider partner. When employees elect to salary package a Novated Lease Vehicle benefit, they agree to the terms and conditions applicable to their novated lease with Smartleasing at smartleasing.com.au.
- EML Payment Solutions LimitedcoreEML Payment Solutions Limited (ABN 30 131 436 532, AFSL 404131) is the card issuer for AccessPay's Salary Packaging and Meal Entertainment Mastercard. EML provides the prepaid reloadable card infrastructure that enables employees to access their salary packaging funds.
- Apple PaysupportingAccessPay's Salary Packaging and Meal Entertainment card is eligible for Apple Pay, allowing cardholders to make secure contactless payments using their Apple devices.
- Google PaysupportingAccessPay's Salary Packaging and Meal Entertainment card is eligible for Google Pay, allowing cardholders to make secure contactless payments using their Android devices.
- SamsungsupportingAccessPay partners with Samsung for promotional EOFY deals where employees can salary package Samsung devices (phones, tablets) purchased through a unique Samsung link. Employees receive GST savings and income tax savings through salary packaging, plus a $50 eGift card when packaging before 31 July 2026.
- Huddle InsuranceminorAccessPay customers can save 20% on eligible Huddle Travel Insurance policies through a promotional partnership. Travel Cover by Huddle is offered as an additional benefit to AccessPay customers.
- QantassupportingThrough Smart's novated leasing program, customers can earn 35,000 bonus Qantas Points when they take out a novated lease. This offer is available to employees whose employers allow them to finance a car through Smart.
- EnrealminorAccessPay (through Smart) partners with Enreal for home battery and solar installation. Customers can get battery and solar installed for a monthly cost. Note: Enreal subscription cannot be salary packaged.
- FinspominorAccessPay (through Smart) offers mortgage broking services through Finspo, providing no-fee mortgage advice to customers.
Scale indicators4 records
Recent moves7 records
Expansion highlights5 records
AccessPay competitors and assessment
Company assessmentDirect peers
- Maxxia: One of Australia's largest salary packaging and novated leasing administrators, competing head-to-head for NFP, healthcare and public-sector employer accounts with a comparable administration-fee model and prepaid card product.
- Paywise: Salary packaging and novated leasing specialist competing for the same NFP and rebatable-employer segments. Comparable B2B2C employer-partnership model with administration-fee monetisation.
- Smartsalary / Smartleasing: Sibling brand under Smartgroup Corporation, providing salary packaging and novated leasing to Australian employers (including NFP). Directly comparable product set (packaging, novated lease, card) and overlapping employer targets make it the closest peer.
- Salary Packaging Solutions (SPS): Specialist salary packaging administrator (part of the McMillan Shakespeare Group) targeting NFP, healthcare and public-sector employers — directly comparable on core administration service and customer base.
- RemServ: Australian salary packaging and fleet management provider serving NFP, government and corporate employers. Overlaps directly on salary packaging administration, novated leasing and end-to-end employee benefits delivery.
Broad incumbents
- McMillan Shakespeare (MMS): ASX-listed group whose Salary Packaging Solutions and RemServ businesses overlap directly with AccessPay. Provides broader salary packaging, fleet and asset finance services at greater scale than AccessPay standalone.
- Smartgroup Corporation Ltd: ASX-listed parent of AccessPay, providing a broader portfolio of employee benefits, salary packaging and fleet services across Australia. Comparable as the wider platform that AccessPay operates within.
Emerging players
- Allianz Care Australia (employee benefits programs): Broader employee benefits and insurance provider active in the NFP/charity segment. Tangentially comparable on employee benefits delivery to the same employer base as AccessPay.
- SG Fleet: ASX-listed fleet management and novated leasing provider with growing salary packaging-adjacent offerings. Comparable on the novated lease component of AccessPay's product set, particularly through employer channels.
Others
- EML Payment Solutions: Prepaid card issuer (ASX-listed) and AccessPay's infrastructure partner for the Salary Packaging Mastercard. Comparable as an enabling technology provider rather than a direct competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
AccessPay social profiles
Digital presenceAccessPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
AccessPay leadership team
Management profileNumber of profiles
Profiles2 records
AccessPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AccessPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AccessPay
What does AccessPay do?
AccessPay administers salary packaging arrangements for employees of not-for-profit, charity, healthcare and education organisations in Australia, enabling them to redirect pre-tax salary toward living expenses, meal entertainment and other benefits. The company partners with employer organisations (B2B2C) and provides digital account management tools, a reloadable Mastercard, and novated lease administration through its sister brand Smartleasing.
Is AccessPay a public or private company?
AccessPay is a private company. It is classified as corporate owned and is currently operating.
When was AccessPay founded?
AccessPay was founded in 2001. It employs 11 to 50 people.
Where is AccessPay based?
AccessPay is headquartered in Adelaide, Australia, in the Oceania region.
How does AccessPay make money?
One revenue line is on record: salary Packaging Administration Fees.
Who are AccessPay's main competitors?
Direct peers on record are Maxxia, Paywise, Smartsalary / Smartleasing, Salary Packaging Solutions (SPS) and RemServ. Broad incumbents are McMillan Shakespeare (MMS) and Smartgroup Corporation Ltd. Emerging players are Allianz Care Australia (employee benefits programs) and SG Fleet. EML Payment Solutions is listed as an others.
Does AccessPay have an API?
No public API is recorded for AccessPay.
What industry is AccessPay in?
AccessPay's product category is Employee Benefits Administration. Its primary akta.pro industry code is FSAGALAI, Embedded Payroll, Earned Wage Access & Benefits Finance, with a secondary code of BPACAIAK, Pay Card Programs & Earned Wage Access (EWA) Administration. Its NAICS code is 54121.