Built because the default was broken.
GANI Pay is a Sydney-based PayTo company. We build payment products for Australians who shouldn't have to manage their money around a biller's schedule.
Vision
Financial tools built for communities that mainstream infrastructure has overlooked.
Mission
We give consumers control over their money and community merchants a direct line to their customers — because mainstream infrastructure wasn't built for either of them.
Rent goes out before payday. Every fortnight.
Six direct debits, none of which you control. Payments that hit when the biller decides — not when you can afford it. A banking app that says “processing” for three days while you check your balance every hour just to be sure.
This isn't a budgeting problem. The infrastructure was built for billers, not for the people paying them. Direct debits run on the biller's schedule. Settlement takes days. Confirmation doesn't exist.
PayTo changes that. The RBA's real-time payment framework gives consumers a single authorisation point that settles instantly. GANI Pay builds the products on top of it.
One platform. Two products.
A single PayTo mandate connects you to GANI Pay once. Two product surfaces flow from that — one for recurring bills, one for everyday merchant payments.
OnRepeat
Recurring payments on your schedule
Schedule rent and bills around your payday — not your biller's. Get confirmed the moment each one clears. One PayTo mandate covers everything. No more checking whether your rent went through.
Join the waitlist →Drift
Merchant payments without card fees
Drift lets merchants accept payments directly from bank accounts via PayTo. No card network, no 1.5% interchange, instant settlement. OnRepeat users become instant Drift customers — one mandate, both sides of the payment.
Learn more →Four things we don't move on.
Compliance is the foundation, not the finish line.
AUSTRAC registered. Every product decision is made with the regulatory layer visible from day one — not retrofitted after the fact.
The user controls the authority.
PayTo mandates are explicit, revokable, and transparent. You set the schedule. You cancel in one tap. No biller holds authority you didn't deliberately give them.
Australian data on Australian soil.
All user data is processed and stored in Sydney (ap-southeast-2). We use Australian payment rails exclusively — the RBA's NPP and PayTo framework. No offshore processing.
Demand before code.
40 waitlist signups at AU$12.57 cost per acquisition before a single line of product code was written. Every feature earns its place with evidence — survey data, real ad spend, or both.
GANI Tech Pty Ltd · ACN 683 311 006
Sydney, New South Wales, Australia
AUSTRAC registered · Built on NPP / PayTo