Pebl FAQ

Are Payment Links secure?

Yes. All links are encrypted and tied to verified merchants with secure checkout processes.

Can I accept all cards and wallets?

Yes. Accept Visa, Mastercard, AMEX, eftpos, Apple Pay, Google Pay, UnionPay, and more.

Can I access my existing Xero customer list from Pebl?

Yes. Your Xero contacts sync to Pebl, so you can send invoices and payment links easily.

Can I control what my employees see in the app?

Yes. Pebl offers role-based permissions so you can restrict access to sensitive data and functions.

Can I track if a customer has paid?

Yes. Pebl provides real-time payment notifications and dashboard tracking.

Can I track who processed each payment?

Yes. Pebl logs every transaction with the team member’s name and timestamp.

Can I use Payment Links with my accounting software?

Yes. Pebl links can be attached to invoices generated in Xero and other systems via manual entry or integration.

Can I use Pebl for charity events?

Absolutely! Pebl is designed to facilitate donations and payments at charity events. With features like Tap to Pay and QR codes, you can easily collect donations without the hassle of traditional payment methods.

This makes it easier for attendees to contribute, ensuring a smooth experience for both donors and organizers.

Can I use Pebl with invoices that already exist in Xero?

Yes. You can select existing Xero invoices from within Pebl to request or accept payments.

Can I use my phone as a POS system?

Yes. Pebl turns any compatible iPhone or Android into a mobile POS with Tap to Pay, QR codes, and Payment Links.

Can I use my phone as an EFTPOS machine?

Yes, Pebl allows you to turn your phone into a complete EFTPOS machine. With its intuitive app, you can accept payments from debit cards, credit cards, Apple Pay, Samsung Pay, and Google Pay without needing extra hardware like card readers, dongles, or terminals.

Perfect for sole traders, small businesses, and large businesses alike, Pebl enables you to process payments quickly on-site, helping you stay efficient and organized. This makes it an ideal solution for trade businesses, field service professionals, and anyone looking to streamline their payment process and accept payments whilst mobile.

Can I use the QR code at physical events or locations?

Yes. QR codes can be printed, displayed digitally, or shared remotely.

Can Pebl Create Invoices?

Yes, Pebl allows you to generate and send invoices instantly. With mobile payment solutions, small business owners can make invoicing easy, track transactions, and get paid faster. Pebl also ensures secure payment services. Simplify business operations with easy invoicing on Pebl today.

Can Pebl improve cash flow for small businesses?

Yes, Pebl is designed to help businesses large to small, including sole traders, improve cash flow. With features like same-day payment processing for Apple Pay, Samsung Pay, and Google Pay, you can track incoming and outgoing transactions easily.

The platform simplifies billing processes, ensuring that you’re paid faster without the need for costly or bulky hardware. By allowing tradies to manage jobs, send invoices, and accept payments on-site, Pebl helps businesses maintain steady cash flow and stay on top of finances.

Can Pebl send a tax-deductible receipt?

Yes, for eligible transactions. Charities can configure receipts to include necessary details.

Can my team use it even if they don’t have an Android?

Yes. Team members can use iPhones or accept payments via QR codes or payment links as alternatives.

Can my team use it even if they don’t have an iPhone?

Yes. They can use Android devices, QR codes, or payment links instead.

Can my whole team use Pebl?

Yes. You can add unlimited team members at no extra cost.

Can team members refund customers or view sensitive info?

Only if granted permissions. You can restrict refunds and visibility of financial data.

Do I need any hardware to use Pebl QR codes?

No. QR code payments only require a device to display the code (e.g. phone or printout).

Do Sole Traders Need Accounting Software

While not mandatory, accounting software helps sole traders manage their business operations more efficiently. It simplifies financial management, tracking transactions, generating financial reports, and ensuring compliance.

Integrating mobile payment solutions with accounting software allows secure payments and seamless expense tracking. In short, using financial tools improves accuracy and saves time, and investing in a reliable accounting solution can be highly beneficial.

Do customers get a receipt?

Yes. Pebl automatically sends digital receipts via SMS or email.

Do donors or customers need the Pebl app to pay via QR code?

No. They just scan the code with their phone camera and pay in-browser—no app needed.

Does Pebl require extra hardware?

No. Pebl works straight from your smartphone without terminals or card readers.

How are payments recorded in Xero?

Pebl automatically records payments against invoices in Xero, updating balances and reducing manual work.

How can Pebl help manage jobs for tradies?

Pebl makes job management simple for sole traders and field service businesses. With its intuitive platform, you can track payments, generate invoices, and manage outgoing transactions all from your phone.

Designed to help tradies or teams of tradies working on-site, Pebl eliminates the need for additional tools, allowing you to stay organized while processing payments efficiently. Whether you're scheduling tasks or billing clients, Pebl streamlines your day-to-day operations, saving time and helping you grow your business.

How can Pebl help my trade business get paid faster?

Pebl lets you accept instant payments via Tap to Pay, SMS/email links, or PayID—removing delays caused by invoicing and reducing unpaid jobs.

How do I connect my Xero account to Pebl?

Inside Pebl, go to Settings > Integrations > Xero and follow the prompts to log in and authorize the connection.

How do I create an invoice for my services?

Creating an invoice with Pebl is simple and fast. The app allows you to pull up or generate Xero invoices directly from your phone or desktop, making it easy to manage jobs and track payments.

Pebl integrates seamlessly with Xero, ensuring all your invoices and payment records reconcile automatically with your accounting system.

Enter the details of your service, add client information, and send the invoice instantly via email or SMS. This feature saves time, keeps your business organized, and simplifies your billing process, letting you focus on growing your business.

How do I make a QR code for donations?

Inside the Pebl app, choose “Create QR Code,” set your amount (optional), and share it digitally or print it for events.

How many team members can I add to my Pebl account?

Unlimited. Add as many as you like at no extra cost. Each team member can take payments from their own phone.

How quickly will I receive payments?

Most payments are settled within 1–2 business days, depending on the bank.

How secure is Pebl?

Pebl uses bank-grade encryption and follows PCI DSS standards to keep data safe.

Is Pebl secure for my business and customers?

Yes. Pebl follows strict security protocols including encryption, biometric login, and fraud detection tools.

Is Tap to Pay on Android secure?

Yes. Transactions are encrypted and processed through certified secure channels.

Is Tap to Pay on iPhone secure?

Yes. Apple’s security plus Pebl’s encryption ensures safe transactions.

Is There a Phone App to Take Card Payments?

Yes! With Pebl, you can accept your first credit or debit card payment within five minutes of signing up.

With Pebl, managing your finances is straightforward, allowing you to focus on what truly matters, growing your business. Enjoy numerous benefits and drive increased sales with seamless transactions for in-store purchases and online payments.

Whether you need to process payments in-store, online, or on the go, Pebl has the expertise and solutions to support your success. Join thousands of small business owners using Pebl to manage payments efficiently and drive business growth.

Is it secure if my team uses their own phones?

Yes. All devices must be verified and secure logins (e.g. biometric) are required.

What Accounting Software is Pebl Compatible with?

Pebl integrates seamlessly with Xero accounting software, allowing businesses to manage invoices and payments efficiently. Users can generate invoices within the Pebl app and accept payments via Tap to Pay on iPhone/Android, shareable Payment Links, and online methods. Transactions are automatically reconciled in Xero, simplifying financial management.

For a visual demonstration of how Pebl integrates with Xero, you can watch the following video:

What are the fees? Is there a lock-in contract or monthly fee?

No lock-in contracts or monthly fees. Pebl charges per transaction—fees depend on your plan.

What are the fees? Is there a lock-in contract or monthly fee?

No lock-in contracts or monthly fees. Transaction-based pricing only.

What devices can my team use with Pebl?

Pebl works with any modern smartphone (iPhone or Android). No extra hardware is needed.

  • iPhone: Requires iPhone XS or later with the latest iOS.
  • Android: Requires NFC, Android 11+, Google Mobile Services, and internet access.

What do I need to get started with Tap to Pay on Android?

An Android phone with:

  • NFC

  • Android 11 or later

  • Google Mobile Services

  • A stable internet connection

What do I need to get started with Tap to Pay on iPhone?
  • iPhone XS or later

  • Latest version of iOS

  • NFC enabled (iPads not supported)

What does Pebl’s Xero integration allow me to do?

You can create, view, edit, and share Xero invoices directly from the Pebl app. Accept payments on the spot—no laptop required.

What does it cost to use Pebl Payment Links?

Fees vary depending on your rate. There are no setup or monthly fees—just a per-transaction fee.

What fees are involved?

Pebl keeps it simple—no setup costs, no monthly fees. You only pay a small, flat, 1.80% fee per card transaction. PayID transactions are $1.50 per transaction.

These fees can be surcharged onto the donor—whether by default or by the donor choosing to cover the transaction fee—making Pebl completely free to use.

What happens if a team member leaves the business?

You can instantly remove their access from your dashboard.

What if a volunteer doesn’t want the Pebl app on their phone?

No problem! Volunteers don’t need the Pebl app to help collect donations. They can simply direct donors to scan any printed Pebl QR codes—on posters, flyers, or other marketing materials—to complete their donation instantly. This makes it easy for anyone to support your cause without needing to download an app.

Pebl's charity customers find the combination of Tap to Pay on iPhone/Android + QR codes works really well!

What invoicing software does Pebl work with?

Pebl integrates directly with Xero. More integrations may come soon.

What is Tap to Pay for fundraising?

It allows charities to accept contactless donations via cards or wallets—no POS hardware needed. Great for fast, smooth onsite donations.

What payment types can I accept with Pebl?

Visa, Mastercard, AMEX, eftpos, Apple Pay, Google Pay, UnionPay, and PayID.

What payment types can be accepted with Pebl’s QR codes?

Visa, Mastercard, AMEX, eftpos, Apple Pay, Google Pay, UnionPay, and PayID.

Who are Pebl?

Pebl was founded by Elliot Cohen and Schaan O’Hara in Sydney, Australia, with a mission to redefine mobile payments. As a proudly Australian-owned company, we operate locally, helping businesses accept payments easily using just their phone—no extra hardware needed.

With a focus on innovation and simplicity, Pebl is making payments seamless for businesses of all sizes across the country.