Pebl FAQ

Absolutely. All Pebl Payment Links redirect the customer to a secure, PCI DSS compliant hosted page to enter their card details. The entire process is handled by a Tier-1 secure payment gateway, ensuring that no sensitive customer data is ever stored by your business or transmitted insecurely.

Yes, Pebl enables you to accept all major cards and digital wallets. This includes Visa, Mastercard, AMEX & Union Pay. You can also accept fast, contactless payments from popular digital wallets such as Apple Pay and Google Pay, ensuring you never miss a sale, whether you're a mobile tradie, a charity, or running an event.

Yes. When you connect your Xero account, your entire Xero customer list is synchronised with the Pebl mobile app. This allows you to quickly select a customer when creating a new invoice or a payment link, ensuring accuracy and consistency across your accounting software and your Pebl mobile payment solution.

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Yes, control and security are key features of Pebl's team management. The account administrator can use role-based permissions to select precisely which functions and data an employee can access. You can limit them to only accepting payments while restricting their ability to view sales reports, business bank details, or process refunds.

Yes, our powerful Pebl Dashboard and Pebl Pay mobile app (available on iOS & Android) provides live sales tracking and comprehensive real-time reporting across all payment methods. You can monitor every transaction, payment link status, and see exactly when a customer has paid, giving you complete visibility over your cash flow and making reconciliation simple.

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Yes. Pebl's Team-Friendly Management features include full oversight. Every single transaction, whether via Tap to Pay or Payment Link, is logged in your Pebl dashboard with the name of the team member who processed it, along with a timestamp. This gives you complete real-time visibility and simplifies management.

Yes, the Pebl app seamlessly integrates with Xero accounting software. You can generate an invoice payment link and send it directly from the app, and the resulting payment will automatically sync and reconcile with your existing Xero invoice, cutting down on manual admin work. This is a game-changer for businesses using Xero integration. You can find out more on Xero's App Store.

Absolutely. Pebl Pay is an ideal mobile payment solution for charity events. It allows you to quickly equip unlimited volunteers with the ability to accept both Tap to Pay donations on their phones and QR code payments throughout the venue, significantly boosting fundraising opportunities and streamlining payment collection.

Yes, absolutely. Our seamless Xero integration allows you to access and select any pending or unpaid Xero invoices directly within the Pebl app. Once selected, you or a team member can instantly accept payment for that exact invoice via Tap to Pay, Payment Link, or QR code. The payment is then automatically reconciled against the invoice in Xero, helping you get paid faster and eliminating manual bookkeeping.

Yes, your smartphone (or tablet) running the Pebl app effectively becomes a full-featured mobile POS system (mPOS). With zero hardware required, it enables you to process customer payments using Tap to Pay, generate QR codes, create and manage invoices (via Xero integration), track sales in real-time, and issue digital receipts, making it a perfect mobile EFTPOS alternative.

Yes. With the Pebl app, your phone effectively becomes a mobile EFTPOS machine alternative using Tap to Pay technology. It eliminates the need for any separate hardware, terminals, or dongles. You can securely accept all major contactless credit/debit cards and digital wallets (Apple Pay and Google Pay) directly on your smartphone screen using the Pebl mobile app, transforming your device into a powerful mobile POS solution.

Absolutely. QR code payments are a perfect point-of-sale solution for high-volume environments like physical events (e.g., markets, festivals) or busy retail locations. Pebl's QR codes can be exported and printed onto table menu's, posters or any other marketing material. Customers or event attendees can simply use their mobile phone camera to scan the QR code and complete payment via their phone's internet browser.

Yes, absolutely! When integrated with Xero accounting software, the Pebl app allows you to create, view, and share Xero invoices directly from your phone. You can then accept payment for that invoice immediately via Tap to Pay or a Payment Link. For quick, on-the-spot sales not tied to a formal invoice, Pebl also functions as a simple mobile POS system to generate and accept payments.

Yes, Pebl dramatically improves cash flow for small businesses by removing the payment delay cycle. By enabling you to accept secure, instant Tap to Pay card payments on the spot - rather than waiting for traditional invoice payments - Pebl ensures funds are deposited into your account faster. This is especially vital for tradies and mobile service providers who need quick access to working capital.

Yes. After any successful transaction, Pebl automatically generates a digital receipt that can be instantly shared with the customer via QR code, email or SMS. These professional receipts include all necessary details, assisting the customer with their record-keeping for tax-deductible purchases or donations.

Absolutely. Pebl is built for mobile teams and supports both iOS and Android devices. Your team members can easily download the Pebl app and accept payments using either Tap to Pay on iPhone or Tap to Pay on Android, depending on their device. Our team-friendly management feature allows you to set custom user permissions for each staff member.

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Absolutely. Pebl is built for mobile teams and is cross-platform. Your team members can easily download the Pebl app and accept payments using either Tap to Pay on Android or the secure Tap to Pay on iPhone feature, depending on their device. Our team-friendly management allows you to set custom permissions, securing sensitive business data.

Absolutely. Pebl Pay is specifically designed for businesses with mobile teams, from tradies and field technicians to charity volunteers. You can add an unlimited number of team members for free and use the role-based permissions to control their access, mobilising your entire workforce to accept payments securely on their own phones (both iPhone and Android).

Only if you give them permission. Pebl uses robust, role-based permissions allowing you to control exactly what each team member can do. You can restrict team members to only accepting payments, preventing them from viewing sales reports, processing refunds, or accessing sensitive financial or customer data. This ensures high-level security while mobilising your entire team.

No, you do not need any dedicated hardware. Pebl’s QR codes are generated directly within the Pebl Pay mobile app and displayed on your mobile phone or tablet screen, and can be exported and printed onto table menu's, posters or any other marketing material. Customers can simply use their mobile phone camera to scan the QR code and complete payment via their phone's internet browser. This is part of our commitment to being a true no-hardware mobile EFTPOS alternative.

While not mandatory, using accounting software like Xero is highly recommended for sole traders. It simplifies invoicing, expense tracking, GST calculations, and makes tax time significantly easier. Pebl's Tap to Pay and Xero integration is an ideal pairing for sole traders, allowing them to instantly accept card payments on their phone while keeping their books tidy and compliant.

Yes. After every successful transaction (Tap to Pay, QR Code, or Payment Link), Pebl automatically generates a professional digital receipt that is instantly sent to the customer via SMS or email, ensuring excellent customer service and easy record-keeping. This receipt has everything legally required for tax purposes - inlcuding your business's information, logo and branding.

No, the customer or donor does not need to download the Pebl app to pay via QR code. They simply use their phone's camera to scan the code, which automatically directs them to a secure, mobile-friendly payment page where they can complete the transaction quickly. This simplicity is key to increasing adoption of QR code payments.

No, Pebl Pay requires zero extra hardware. This is a major advantage. Our technology transforms your existing smartphone (iPhone or Android) into a mobile payment terminal using Tap to Pay technology. There are no terminals, dongles, or costly EFTPOS machines to buy, maintain, or charge.

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Pebl automates the entire payment recording and reconciliation process for you. For every transaction, Pebl automatically sends the data -including the gross payment and the separate transaction fee - to your Xero bank feed. This allows for quick, one-click matching of the bank deposit, streamlining your bookkeeping and ensuring hassle-free reconciliation.

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Pebl helps tradies and field technicians by enabling them to close the loop on every job immediately. By integrating with Xero, tradies can accept payment for outstanding invoices instantly on-site via Tap to Pay, eliminating the need to chase payments. This speed not only improves cash flow but also reduces admin time, allowing tradies to move on to the next job faster.

For trade businesses, Pebl drastically speeds up cash flow by allowing your technicians to accept instant payments on-site via Tap to Pay immediately after a job is complete. This eliminates the delay of invoice payments and waiting for bank transfers, and when integrated with Xero, payments are automatically reconciled, reducing admin time and boosting your business's financial health.

Connecting your Xero account is a quick, self-service process done entirely within the Pebl app. After signing up for your Pebl account, simply navigate to the 'Settings' or 'Integrations' section in the app. You will be prompted to log in securely to your Xero account and grant Pebl access, instantly activating your full Xero payments integration in just a few clicks. Read more on this in Pebl's help documentation here.

You can easily create an invoice for your services by using the Pebl app in conjunction with your connected Xero accounting software. Simply go to the invoicing section in the Pebl app, select 'Create New Invoice', add your customer and service details, and the invoice will be generated in Xero. In the same action, you can then instantly accept a Tap to Pay on iPhone or Android payment, or send it as a Payment Link - instantly reconciling payment and fees with Xero. Learn more via Pebl's help documentation here.

Creating a QR code for donations is fast and simple within the Pebl app. Inside the app, select the option to create a QR code. You can choose to set a specific donation amount or leave it open for the donor to enter their desired amount. Once generated, you can display the code on your phone, share it digitally, or print it for use on posters and flyers at charity events or fundraisers. You can learn more about Pebl's QR codes here.

You can add an unlimited number of team members to your Pebl account at no extra cost. This scalability is ideal for growing businesses, charities, or event teams, allowing you to equip your entire mobile workforce with a secure, no-hardware Tap to Pay solution - whether it be for 1-day event or an ongoing store location or job site. This makes Pebl's mobile app a perfect (and better) alternative to short-term, or long-term, renting of an eftpos terminal or card reader.

Pebl ensures fast cash flow for your business. Payments are processed instantly and typically settle into your linked Australian bank account within 1-2 business days. This swift deposit time helps your business manage its finances effectively, ensuring you get your money quickly whether you've accepted a Tap to Pay or Payment Link transaction.

Pebl is highly secure, operating with bank-grade security and the highest standards for data protection. We are PCI DSS Compliant and leverage advanced security features like card network encryption and real-time fraud analysis on every transaction, ensuring the safety of your business and customer data. For more information on Pebl's security, privacy and product - pleazse contact support@pebl.me.

Yes, Pebl prioritises security for both your business and your customers. We partner with industry leaders and adhere to PCI compliance standards. All transactions are encrypted, customer card details are never stored, and you maintain control over your sensitive data via role-based team permissions and secure biometric logins.

Yes, Tap to Pay on Android is secure and adheres to the same high security standards as our iOS solution. Pebl ensures all transactions are PCI-compliant and encrypted. We also utilise advanced, real-time fraud analysis on every transaction to protect your business and your customers, making Pebl a trusted mobile payment solution for your Android device.

Yes, Tap to Pay on iPhone is highly secure. Pebl uses the latest PCI-compliant technology and leverages the built-in security features of your iPhone. The transaction is end-to-end encrypted, and the customer's full card number is never stored on the device or shared with Pebl, ensuring maximum data protection for every mobile payment you accept.

Yes, the Pebl mobile app is the phone app designed specifically to take secure card payments using only your smartphone or tablet. By downloading the app, you gain access to Tap to Pay on iPhone or Tap to Pay on Android, allowing you to accept contactless payments anywhere - perfect for charities, events, fleets, franchises, tradies and mobile or home services.

Yes, it is highly secure. When your team uses their own phones for Tap to Pay, the payment process is secured by the device's built-in encryption (for both iPhone and Android), and the customer’s card details are never stored on the phone. Furthermore, access to the Pebl app is protected by secure logins (including biometric authentication), and your team only accesses what you permit, keeping sensitive business data safe.

Pebl features a powerful, seamless integration with Xero accounting software. This allows for the full management of invoices and automatic reconciliation of all payments and fees. While our primary focus is on providing the best Xero integration on the market for mobile payments, we continually look to expand compatibility with other leading accounting platforms.

‍For a visual demonstration of how Pebl integrates with Xero, you can watch the following video:
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Pebl offers a straightforward and highly competitive fee structure with no monthly fees and no lock-in contracts. You only pay a simple, flat per-transaction fee for payments processed. For ultimate cost-efficiency, you can activate Pebl’s auto-surcharging feature to automatically pass the processing fee onto the customer, potentially making your mobile payment solution entirely free to use.

Pebl offers a straightforward and highly competitive fee structure with no monthly fees and no lock-in contracts. You only pay a simple, flat per-transaction fee for payments processed. For ultimate cost-efficiency, you can activate Pebl’s auto-surcharging feature to automatically pass the processing fee onto the customer, potentially making your mobile payment solution entirely free to use.

Pebl is a truly versatile mobile payment solution, compatible with the devices your team already owns. It supports both iPhones (iPhone XS or later running the latest iOS (iOS 18 minimum) for Tap to Pay on iPhone) and most Android smartphones and tablets that are NFC-enabled and running a modern OS (Android 13+). This flexibility means you can deploy the no-hardware EFTPOS alternative across your entire workforce instantly.

• iPhone: Requires iPhone XS or later with the latest iOS (iOS 18 minimum).
• Android: Requires NFC, Android 13+, Google Mobile Services, and internet access.
  
  

To start accepting Tap to Pay on Android mobile payments, simply download the Pebl app from the Google Play Store onto any compatible NFC-enabled Android phone or tablet. There is no extra hardware or separate mobile EFTPOS machine required, allowing you to sign up and start taking your first payment in minutes.

• NFC
  
• Android 13 or later
  
• Google Mobile Services
  
• A stable internet connection

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Getting started with the secure and convenient Tap to Pay on iPhone feature is fast and requires virtually no extra hardware. You simply need to download the Pebl mobile payment app from the App Store onto a compatible device (iPhone XS or later) and complete the quick, simple sign-up process. There are no terminals or bulky EFTPOS machines needed.

• iPhone XS or later
  
• Latest version of iOS (iOS 18 minimum)
  
• NFC enabled (iPads not supported)

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The deep Pebl Xero integration is a complete cash flow solution. It allows you to create, share, and accept payments for Xero invoices directly in the Pebl app. Key functions include accepting on-site payments via Tap to Pay on iPhone/Android that auto-reconcile, sending remote Payment Links for existing invoices, and tracking all transaction fees automatically, drastically reducing admin and keeping your cash flow steady. Read ore on Xero's website here.

Using Pebl Payment Links - our feature for sending remote payments via SMS or email - is covered by the same simple, flat per-transaction fee as all our other payment types. There are no separate costs or subscription fees for this service. This makes chasing and collecting payments for invoices a cost-effective and streamlined process.

Pebl Pay has a transparent and simple fee structure: a flat 1.80% per-transaction fee with no monthly fees and no lock-in contracts. We also offer an optional auto-surcharging feature that allows you to pass the transaction fee onto the customer, potentially making our mobile EFTPOS alternative completely free for your business to use.

Maintaining security and control is paramount. If a team member leaves, the account admin can instantly remove their access from the Pebl web dashboard or Pebl mobile app. This immediately deactivates the app on their device, preventing them from accessing the business's payment functions or sensitive data.

No problem at all. While the Pebl app enables quick Tap to Pay donations, volunteers can still assist fundraising efforts by directing donors to a Pebl QR code. The Pebl QR code can be printed on signage or displayed on a single shared device, allowing donors to scan and complete their donation in their own phone's browser, requiring no app download or personal contact.

Pebl currently offers a deep, seamless integration with Xero, allowing for automatic reconciliation and full invoice management. We continuously evaluate and look to integrate with other leading invoicing software to provide the best solutions for our customers.

Tap to Pay, using the Pebl mobile app, for fundraising is a game-changer for charities and non-profits. It allows volunteers and staff to accept contactless donations instantly on their own mobile devices, without needing cash or bulky terminals. This convenience, combined with the ability to accept Apple Pay and Google Pay, significantly increases spontaneous giving and overall funds raised at charity events and appeals.

With Pebl, you can accept a wide variety of payment types: Contactless Cards (Visa, Mastercard, AMEX), Digital Wallets (Apple Pay and Google Pay), QR Code Payments, Payment Links (sent via SMS/email), and PayID for instant bank transfers. This flexibility ensures you never miss a sale.

Pebl’s dynamic QR code payments support multiple payment types, offering your customers maximum flexibility. Customers can scan the code to pay using their preferred digital wallet (Apple Pay or Google Pay), a debit/credit card, or through an instant bank transfer via PayID (available in Australia).

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Pebl is a simple, secure, and transparent Australian-owned mobile payment solution provider. We specialise in turning your existing smartphone or tablet into a full-featured no-hardware EFTPOS machine alternative using Tap to Pay on iPhone and Tap to Pay on Android. We are trusted by thousands of Australian businesses, charities, and mobile teams to get paid faster and streamline their financial admin.