AccessPay

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.

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

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

• Salary packaging services
• Employee benefits administration
• Novated leasing
• Not-for-profit benefits
• Pre-tax salary arrangements

Headquarters

HQ city

Adelaide

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels5 records

Marketing channels10 records

Core 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

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core, supporting and minor.

• Smartgroup Corporation LtdcoreStrategic or Co-development Partner · 1 January 2017AccessPay 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.
• SmartleasingcoreTechnology or IntegrationSmartleasing 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 LimitedcoreTechnology or IntegrationEML 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 PaysupportingTechnology or IntegrationAccessPay's Salary Packaging and Meal Entertainment card is eligible for Apple Pay, allowing cardholders to make secure contactless payments using their Apple devices.
• Google PaysupportingTechnology or IntegrationAccessPay's Salary Packaging and Meal Entertainment card is eligible for Google Pay, allowing cardholders to make secure contactless payments using their Android devices.
• SamsungsupportingGTM or Marketing PartnerAccessPay 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 InsuranceminorGTM or Marketing PartnerAccessPay 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.
• QantassupportingGTM or Marketing PartnerThrough 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.
• EnrealminorGTM or Marketing PartnerAccessPay (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.
• FinspominorGTM or Marketing PartnerAccessPay (through Smart) offers mortgage broking services through Finspo, providing no-fee mortgage advice to customers.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct 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

• LinkedInlinkedin.com/company/accesspay

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 AccessPay