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Pay businesses, invoices & mates. Straight into any Australian bank account. Using crypto stored in almost any wallet(eg MetaMask, Ledger) or exchange (eg. Swyftx, CoinSpot).
In a single transaction, RelayPay can sell your crypto & send money to your own personal or business bank account in 40+ countries, across 15+ currencies. With support for large transfers up to $50k AUD.
Use AUD via PayID / Osko or bank transfer to buy USDT, USDC, Bitcoin, Ethereum, Solana, XRP & more. Store assets on almost any wallet or exchange. Ensure your address supports your chosen crypto and network.
RelayPay's support for major Layer 2 networks — including Solana, Optimism, Arbitrum and Polygon — helps lower transaction costs and speed up transfers. While blockchain network fees are controlled by each network, RelayPay displays our own fees upfront & locks your rate quote for at least 10 minutes.
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Use crypto to pay over 65,000 Aussie businesses, even if they don’t accept crypto. RelayPay sells your crypto and pays with AUD in a single transaction.
Join Aussies regularly using RelayPay to pay credit card bills, suppliers, rent, loans, school or university fees. Even fund supported investment platforms.
RelayPay supports up to $50,000 AUD, much higher than the usual $1,000 limit. Use crypto that you have stored in your own wallet or exchange.
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Buy gift cards directly with your crypto, no AUD conversion step needed. Flexible amounts with rates & fees shown upfront.
Redeem RelayPay Gift Cards in-store and online at Coles, Bunnings, Amazon, JB Hi-Fi, Kogan, Uber Eats and more.
Businesses use RelayPay Gift Cards to reward teams, thank clients and run promotions.
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RelayPay is an Australian crypto payments platform founded by a team of fintech entrepreneurs dedicated to bridging traditional finance and digital currencies. We launched out of Stone & Chalk’s Sydney startup incubator in 2019.
RelayPay's advisory board includes respected founders and partners from the innovative fintech startup Slyp, the leading Australian law firm Gilbert + Tobin, and pioneering DeFi protocol Synthetix.
RelayPay Industry Recognition
🏆 Winner: Best Crypto Merchant Payments - 2025 & 2024 WeMoney Innovation Awards
🏆 Winner: Best Banking & Payments Innovation, 2023 Finder Innovation Awards
🥈 Finalist: Excellence in Crypto & Digital Currencies / Wallets - 2024 Fintech Australia Awards
🥈 Finalist: 2024 Business NSW Awards
🥈 Finalist: Best B2B Innovation, 2024 Finder Innovation Awards
🥈 Finalist: Best Banking & Payments, 2024 Finder Innovation Awards
🥈 Finalist: Best Digital Currencies and Web3 Innovation, 2023 Finder Awards
🥈Finalist: Excellence in Blockchain / Distributed Ledger, 2021 FinTech Australia Awards
For individuals and business: RelayPay is one of Australia's only independent, non-custodial crypto payment platforms. Unlike crypto debit cards or exchanges that hold your assets, RelayPay lets you pay bills or send up to $50,000 AUD to anyone’s local bank account — including large third-party transfers — directly from your own wallet or exchange. And it’s all done in a single seamless and secure transaction. Uniquely, we hold the rate quote for up to 10-minutes to help mitigate volatility. We’ve also worked hard to include Layer 2 network support (Polygon, Optimism, etc.) for reduced gas fees.
For merchants: RelayPay is the only AUSTRAC-registered, AFSL-authorised (CAR) crypto payment solution offering same-day AUD settlement. Plus, we use Merkle Science transaction monitoring to align with AML/CTF rules and help block risky activity before it reaches your business.
You can pay any Australian bill or expense where the payee gives you a BSB and account number. Rent, school fees, contractors, suppliers, home loans, ATO bills, even share trading deposits.
Enter their bank details and RelayPay converts your crypto to AUD and sends the payment, including to third-party accounts, up to $50,000 per payment.
Some billers, loans and credit cards only accept other payment methods. Check your bill or statement.
If there's a BSB & account number, you can RelayPay it.
RelayPay supports a range of stablecoins and crypto. We’ve also included support for Layer 2 Networks such as Polygon and Optimism, helping users save on network fees during busy periods.
Stablecoins: USD Coin (USDC), Tether (USDT), DAI (DAI)
Other Cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Binance Coin (BNB), XRP (XRP), Litecoin (LTC), Avalanche (AVAX) , Optimism (OP), Polygon (OP), TRON (TRX), Chainlink (LINK), Dogecoin (DOGE), ApeCoin (APE), XLM (Stellar)
The ATO typically treats crypto sales (eg. for bill payments or AUD bank transfers) as capital gains tax (CGT) disposal events. Please consult a registered tax advisor or accountant, you are solely responsible for understanding your personal tax obligations.
Yes, RelayPay requires KYC (Know Your Customer) ID verification to comply with Australian law. Verification is fast, secure, and helps us keep RelayPay safe for all users.
We’re registered with AUSTRAC as:
• Digital Currency Exchange (DCE100597854-001)
• Independent Remittance Dealer (IND100597854-001)
• Minimum: $200 AUD equivalent
• Maximum: $50,000 AUD per transaction
• Need to transact more than $50K? Contact us for an OTC (Other-The-Counter) personalised rate.
• Guide:Step-by-step guide to buying crypto with RelayPay.
• Guide:Tips to avoid investment scams.
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