Provided by PayAny1 Pty Ltd ABN 51 630 466 303
Australian Financial Services License No. 518990
Issue Date: 01/09/2025
PayAny1 Pty Ltd (PayAny1, we, us, our) is a Melbourne based company, trading as ‘Cashwo’.
It is important for you to know that non cash payment products services are not protected under the Financial Claims scheme.
This Financial Services Guide (FSG) is designed to assist you in deciding whether to use any of the financial services offered by PayAny1 Pty Ltd. It contains important information you need to know, including:
Please read this FSG carefully to understand these important matters before making a decision about our services.
You will receive the following documents at the time we think that we may provide you with a financial service.
Before you decide to acquire any of our products, you will be provided with a Product Disclosure Statement (PDS). The PDS is designed to give you detailed information about the product, including its features, benefits, risks, costs, and other relevant details to help you decide whether the product is appropriate for you.
The PDS will be given to you before you sign up for the product.
You can also access the Target Market Determination (TMD) for our products, which outlines the class of consumers for whom the product is likely to be appropriate, how the product is distributed, and any review triggers. The TMD is available at cashwo.com.au/targetmarketdetermination.
Our product(s) are governed by General Terms which are available at cashwo.com.au/termsandconditions and our Privacy Policy which is available at cashwo.com.au/privacypolicy. You should read the General Terms and Privacy Policy before you decide to obtain our product(s).
PayAny1 is authorised to provide general advice about and deal in non-cash payment products. PayAny1 is the issuer of its own products.
You can provide instructions to us by:
PayAny1 receives fees and charges as set out below:
Service Fees – Effective from 01 September 2025
Example: If you process 45 transactions in a month (after the free trial period), you would pay $50 (monthly fee) + $14.85 (15 additional transactions × $0.99) = $64.85 total for that month.
PayAny1 Pty Ltd does not have any arrangements in place where remuneration, commission, or other benefits are received for referring clients to or from other persons. If any such arrangements are made in the future, we will disclose this information to you in writing.
Payany1 Pty Ltd does not have any relationships or associations that might influence us in providing you with our services If such associations or relationships do come into existence, we will disclose them to you in writing
If you have a complaint or dispute relating to our product(s) or the financial services we have provided to you, please follow the below procedure:
Contact PayAny1 in the first instance via:
Telephone: 1300 757 757
In writing: Suite 403, 227 Collins Street, Melbourne VIC 3000
Email: info@cashwo.com.au
Please provide a full explanation of your complaint. PayAny1 may request further details from you about the complaint. PayAny1 will seek to resolve the complaint immediately, or by no later than 5 business days after receiving your complaint.
If you are not happy with the outcome, you may request that PayAny1’s compliance officer review your complaint and PayAny1’s proposed resolutions. The compliance officer may contact you for more information. The compliance officer will contact you with his or her decision.
If you are still not satisfied with the decision or PayAny1 does not respond to you within 30 calendar days after you make the initial complaint to PayAny1, you can contact PayAny1’s external dispute resolution provider, Australian Financial Complaints Authority (AFCA). AFCA’s details are:
Website: www.afca.org.au
Telephone: 1800 931 678
Email: info@afca.org.au
In writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
You can only contact AFCA once you have followed the procedure above.
We hold professional indemnity insurance, which covers the financial services we are authorized to provide to you. This professional indemnity insurance satisfies the requirements of section 912B of the Corporations Act 2001 (Cth).
You can contact us via:
Telephone: 1300 757 757
Mail: Suite 403, 227 Collins Street, Melbourne VIC 3000
Email: support@cashwo.com.au
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