{"id":300741,"date":"2026-02-04T11:30:41","date_gmt":"2026-02-03T23:30:41","guid":{"rendered":"https:\/\/www.reckon.com\/au\/?p=300741"},"modified":"2026-02-04T11:42:01","modified_gmt":"2026-02-03T23:42:01","slug":"online-payments-guide-for-small-businesses","status":"publish","type":"post","link":"https:\/\/www.reckon.com\/au\/blog\/online-payments-guide-for-small-businesses\/","title":{"rendered":"Online Payments Guide for Small Businesses"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.23&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; module_class=&#8221;table-contents&#8221; _builder_version=&#8221;4.23&#8243; background_color=&#8221;#f3f2f6&#8243; custom_padding=&#8221;25px||25px||true|false&#8221; sticky_position=&#8221;top&#8221; sticky_limit_bottom=&#8221;section&#8221; sticky_position_tablet=&#8221;top&#8221; sticky_position_phone=&#8221;none&#8221; sticky_position_last_edited=&#8221;on|desktop&#8221; border_radii=&#8221;on|24px|24px|24px|24px&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.23&#8243; text_font=&#8221;||||||||&#8221; global_colors_info=&#8221;{}&#8221; background__hover_enabled=&#8221;on|desktop&#8221;][\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Intro&#8221; _builder_version=&#8221;4.27.5&#8243; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px|||&#8221; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;26px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>With the rise of digital wallets and buy now pay later (BNPL) services, buying online from businesses is becoming increasingly popular among Aussie consumers. By using an online payment platform, businesses get access to a wider range of customers and the potential to increase sales. If it makes sense for your business, having an online payment platform can make it easier for customers to pay for your goods and services.<\/p>\n<p>Let\u2019s look at how you can incorporate an online payment platform and grow your business.<\/p>\n<h2>What is an online payment platform?<\/h2>\n<p>An online payment platform acts as a middleman between you and the customer: it lets them purchase your products digitally using a payment method. Just like how a customer would pay at a register in a physical store, a payment platform works the same way, only online. The payment platform is the register.<\/p>\n<p>You\u2019ll find that heaps of businesses use online platforms, such as online retailers like JB-HiFi and The Iconic. But online payment platforms aren\u2019t necessarily only for retailers: you can use them for almost any business. For instance, you can integrate the service with other software, such as your <a href=\"https:\/\/www.reckon.com\/au\/accounting-software\/\">accounting software<\/a>, to add a payment link to an invoice.<\/p>\n<h2>How does it work?<\/h2>\n<p>How online payment platforms work is by connecting your business with the customer and their bank\/card issuer or financial institution. This is done via a \u2018payment gateway\u2019. Here is a seven-step process that articulates exactly how payment platforms work:<\/p>\n<ol>\n<li><strong>Customer:<\/strong> The customer initiates a purchase from a website cart or \u2018pay now\u2019 link on an invoice. They enter their payment details.<\/li>\n<li><strong>Business:<\/strong> The business receives the payment information and transfers it through the payment gateway.<\/li>\n<li><strong>Payment Gateway:<\/strong> The payment information is routed through a payment processor for authorisation.<\/li>\n<li><strong>Payment Processor:<\/strong> The payment information is relayed to the bank or card issuer for verification, and the funds are available.<\/li>\n<li><strong>Bank or issuer:<\/strong> The payment is approved or declined and relayed back through to the payment gateway.<\/li>\n<li><strong>Payment gateway:<\/strong> Verification and authorisation are received and communicated to the business, indicating whether the payment succeeded or failed.<\/li>\n<li><strong>Settlement:<\/strong> Funds are transferred from the customer\u2019s account to the merchant&#8217;s or business\u2019s account.<\/li>\n<\/ol>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Example<\/h3>\n<p>Let\u2019s look at two scenarios in which a payment platform can work for a business: online shopping or an invoice.<\/p>\n<p>[\/et_pb_text][difl_advancedtab content_container_bgcolor=&#8221;#eeecff&#8221; use_sticky_nav=&#8221;off&#8221; use_nav_width=&#8221;off&#8221; nav_container_width=&#8221;25%&#8221; nav_align=&#8221;auto&#8221; nav_item_bgcolor=&#8221;#eeecff&#8221; nav_item_active_bgcolor=&#8221;#FF5447&#8243; icon_color=&#8221;#5A3FFF&#8221; icon_color_active=&#8221;#FFFFFF&#8221; icon_size=&#8221;20px&#8221; icon_placement=&#8221;flex_right&#8221; use_active_arrow=&#8221;off&#8221; button_align=&#8221;left&#8221; button_margin=&#8221;||||false|false&#8221; nav_wrapper_margin=&#8221;||20px||false|false&#8221; nav_wrapper_padding=&#8221;||||false|false&#8221; at_content_wrapper_margin=&#8221;||||false|false&#8221; at_content_wrapper_padding=&#8221;||||false|false&#8221; nav_item_margin=&#8221;|10px|20px||false|false&#8221; nav_item_padding=&#8221;||||false|false&#8221; nav_item_first_margin=&#8221;||||false|false&#8221; nav_item_active_padding=&#8221;||||false|false&#8221; content_padding=&#8221;25px|25px|25px|25px|true|true&#8221; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600|||||||&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#0A004A&#8221; title_line_height=&#8221;1.3em&#8221; title_active_font=&#8221;|700|||||||&#8221; title_active_text_color=&#8221;#FFFFFF&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; custom_css_free_form=&#8221;.df_at_content h2{font-weight: 800; font-size: 30px;}||h4.df_at_title{margin:0; padding:0;}||.difl_advancedtab_0 .lr_left .at_nav_content, .difl_advancedtab_0 .lr_right .at_nav_content{flex:auto;}&#8221; border_width_all=&#8221;0px&#8221; border_radii_content_wrapper=&#8221;on|20px|20px|20px|20px&#8221; border_color_all_content_wrapper=&#8221;#eeecff&#8221; border_radii_nav_wrapper=&#8221;on|12px|12px|12px|12px&#8221; border_radii_nav_item=&#8221;on|15px|15px|15px|15px&#8221; border_radii_nav_item_active=&#8221;on|15px|15px|15px|15px&#8221; box_shadow_style_content_wrapper=&#8221;preset1&#8243; box_shadow_horizontal_content_wrapper=&#8221;-5px&#8221; box_shadow_blur_content_wrapper=&#8221;10px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; content_padding__hover_enabled=&#8221;off|desktop&#8221;][difl_advancedtabitem title=&#8221;Marty&#8217;s Online Flower Shop&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xf4d8;||fa||900&#8243; navigation_link=&#8221;https:\/\/www.reckon.com\/au\/?page_id=300741#difl_advancedtabitem_0&#8243; at_button_button_url_new_window=&#8221;1&#8243; text_area_bgcolor=&#8221;#eeecff&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#eeecff&#8221; background_enable_color=&#8221;on&#8221; width=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Customer Payment Timeline<\/h3>\n<ol>\n<li>Customer browses Marty\u2019s website for flowers. Customers see what they like and put a flower bundle in their cart.<\/li>\n<li>Customer initiates the purchase by clicking the \u201cpay now\u201d button.<\/li>\n<li>Customer is taken to the payment gateway. They can enter their details manually or via a payment wallet (which prefills their information).<\/li>\n<li>Payment information is verified via the processor and bank\/issuer, and is approved.<\/li>\n<li>Payment is successful. Flowers purchased, on route to customer. Funds are sent to Marty\u2019s business account.<\/li>\n<\/ol>\n<p>[\/difl_advancedtabitem][difl_advancedtabitem title=&#8221;Daz&#8217;s Plumbing Business&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe035;||divi||400&#8243; navigation_link=&#8221;https:\/\/www.reckon.com\/au\/?page_id=300741#difl_advancedtabitem_1&#8243; at_button_button_url_new_window=&#8221;1&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Customer Payment Timeline<\/h3>\n<ol>\n<li>Daz completes a job for a customer. He sends the invoice for services rendered.<\/li>\n<li>Customer receives the invoice and uses the \u2018pay now\u2019 button attached to it.<\/li>\n<li>Customer is taken to the payment gateway and can enter their details manually or via a payment wallet.<\/li>\n<li>Payment information is verified via the processor and bank\/issuer, and is approved.<\/li>\n<li>Payment successful. Job completed and Daz gets paid.<\/li>\n<\/ol>\n<p>[\/difl_advancedtabitem][\/difl_advancedtab][et_pb_text admin_label=&#8221;End&#8221; _builder_version=&#8221;4.27.5&#8243; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px|||&#8221; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;26px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>While these two businesses differ in the goods and services they provide, the process is very similar. The only difference is the point of entry (a website cart vs email invoice), but the results are the same: fast, easy payments.<\/p>\n<h2>Why use an online payment system<\/h2>\n<p>The appeal of online payment platforms lies in their convenience and functionality: they make it easy to purchase from you. Here are the key benefits of using an online payment platform:<\/p>\n<ul>\n<li><strong>Payment attitudes\/frequency:<\/strong> More buyers are shifting to digital payments due to high demand. For instance, Aussies made over 500 million transactions and spent over $24 billion in a single month in 2025.<\/li>\n<li><strong>Payment options:<\/strong> It gives customers a wide range of payment options, depending on the service provider. These platforms also offer payment instalments, capturing customers who might otherwise not pay due to limited funds.<\/li>\n<li><strong>Get paid quickly:<\/strong> Payment platforms are designed to give users almost instant access to funds from transactions.<\/li>\n<li><strong>Secure payments:<\/strong> The platform is secure and includes fraud detection.<\/li>\n<\/ul>\n<h2>Stripe for small businesses<\/h2>\n<p>If your business can accept online payments and it makes sense for you, incorporating a platform that supports it is a no-brainer. The great thing about having a dedicated payment platform is that it can seamlessly integrate with software that you already use.<\/p>\n<p>This is where <a href=\"https:\/\/www.reckon.com\/au\/accounting-software\/payments\/stripe\/\">Stripe<\/a> comes in. Reckon has partnered with Stripe to give our users greater flexibility and features for charging their customers. By using our accounting software alongside Stripe, our customers can charge customers instantly and get paid quickly without the headache of an overly complicated online POS system. Stripe is a reliable payment platform, with over 70% of Aussies having already used it to make online payments. Take advantage of using a platform that works for you so that your business can get paid quickly.<\/p>\n<p>[\/et_pb_text][ba_social_share icon_bg=&#8221;#03002e&#8221; icon_padding=&#8221;10px|12px|10px|12px|true|true&#8221; layout=&#8221;classic&#8221; show_text=&#8221;off&#8221; btn_padding=&#8221;0px|0px|0px|0px|false|false&#8221; btn_bg_color=&#8221;RGBA(255,255,255,0)&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;50px||||false|false&#8221; custom_padding=&#8221;25px||||false|false&#8221; custom_css_before=&#8221; content: %22SHARE THIS%22;|| font-size: 16px;|| font-weight: 700;|| line-height: 22px;|| letter-spacing: 0em;|| text-align: center;|| color: #ff5447;|| margin-bottom: 10px;|| display: inline-flex;|| position: absolute;|| margin-top: 10px;&#8221; border_width_top_main=&#8221;1px&#8221; border_color_top_main=&#8221;#e4e4e4&#8243; border_radii_icon=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221; custom_css_before_last_edited=&#8221;off|desktop&#8221;][ba_social_share_child _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;facebook&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;linkedin&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;email&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][\/ba_social_share][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to incorporate online platforms into your business&#8217;s core operations to increase sales and reach more customers.<\/p>\n","protected":false},"author":36,"featured_media":300763,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<p>Changes to how casual employees can transition to permanent employment are coming this year. The new process adds an employee-driven element, where, depending on certain circumstances, a casual employee can notify their employer of their intention to move from casual to permanent employment.<\/p><p>This is a marked departure from the previous rules, which were entirely up to the employers. So, what does this new process look like, and what does it mean for small businesses?<\/p><p>Let\u2019s go through it.<\/p><h2>Key changes to casual employment rights<\/h2><p>The \u201cClosing Loopholes\u201d amendment has directly changed how casual employees remain casual or transition to permanent employment.<\/p><p>Under the old rules in the National Employment Standard, a casual employee\u2019s employment status was entirely employer-driven. This meant that any conversation or initiation of a casual employee was through the employer's agreement or arrangement.<\/p><p>Now, employees can let their employer know their desire to change their working status, called the employee choice pathway.<\/p><p>Under the employee choice pathway, casual employees can pursue permanent employment by notifying their employers of their intent to change from casual to permanent. The following criteria have to be met before notice can be given:<\/p><ul><li>The employee has been employed for 6 months or more (or for small business, 12 months or more)<\/li><li>The employee believes that they no longer meet the requirements of a casual employee defined under the Fairwork Act 2009<\/li><\/ul><h2>Who is affected by the employee choice pathway?<\/h2><p>The changes have been in effect for medium-large businesses since 26 February 2025. Under the legislation, businesses with 15 or more employees must follow the employee choice pathway procedure.<\/p><p>The changes will come into effect on 26 August 2025 for small businesses (15 employees or fewer). Under the rules of casual employment, an employee may only notify their intent for permanent employment if they have been employed for more than 12 months.<\/p><h2>The process involved<\/h2><p>The employee choice pathway is twofold: a notice of intent to transition from casual to permanent, and the response to that notice. While this may seem simple, a number of factors determine the outcome. First, before a notice can be made to move from casual to permanent, we must look at what defines casual employment status.<\/p><h3>Defining casual employment<\/h3><p>The legal definition of what constitutes casual employment can be found in the Fairwork Act 2009 (15A). This is a rather large document, so for all intents and purposes, casual employment can be simply defined like this:<\/p><ul><li>The employment relationship is not a firm commitment to further ongoing work.<\/li><li>The employee is entitled to casual loading under the rate determined under their agreement, rate, or contract.<\/li><\/ul><p>If you are unsure about the definition of <a href=\"https:\/\/www.fairwork.gov.au\/starting-employment\/types-of-employees\/casual-employees\" target=\"_blank\" rel=\"noopener\">casual employment<\/a>, the Fairwork Ombudsman has materials and resources.<\/p><h3>Giving notice of employment change<\/h3><p>The notice a casual employee gives to their employer about moving to permanent employment requires two factors to be satisfied:<\/p><ol><li>The employee must have been employed for 6 months or more (12 months or more for small businesses), and;<\/li><li>The employee believes that they no longer meet the requirements of casual employment.<\/li><\/ol><p>Here is an example of a notice to demonstrate what this would look like in the workplace.<\/p><blockquote><p><em>Imagine a bartender working casually for over 10 months at a large pub with more than 15 workers. This casual employee has been given more responsibilities in the last few months, including rostering other casuals. The employee has also noticed they work fixed, regular, rostered shifts. With this information and a desire for more security in their employment, they approach their employer with notice to transition from casual to permanent employment.<\/em><\/p><\/blockquote><p>In this example, the employee meets the requirements to give notice and pursue the casual choice pathway. After notice occurs, the employer is required to respond. Let\u2019s take a look.<\/p><h3>Responding to a notice<\/h3><p>Once an employer receives a notice from their employee, they have 21 days to respond. Before a response is made, the employer should consult with the employee about what changes the transition would make to their employment. This discussion should include:<\/p><ul><li>Whether the employee would move to full-time or part-time permanent employment.<\/li><li>The change of hours the employee will work.<\/li><li>When the change of employment will take effect.<\/li><\/ul><p>After a consultation, the employer can accept or reject the notice of employment change.<\/p><h3>Accepting or rejecting an employment change notice from an employee<\/h3><p>When accepting a change, the employer needs to include what has been consulted previously and provide a new written employment agreement with their employee. The changes must immediately be implemented after the acceptance of employment status unless the employer and employee have agreed on a different commencement date.<\/p><p>When it comes to rejecting a notice, employers need a good reason. An employer can justify a rejection of the notice when either of the following circumstances apply:<\/p><ul><li>The employee still meets the requirements of casual employment.<\/li><li>Causes significant changes to the business organisational structure.<\/li><li>It will have a considerable impact on day-to-day business operations.<\/li><li>The change will break existing rules in an award or enterprise agreement.<\/li><li>The change violates recruitment or selection procedures that are protected by law.<\/li><\/ul><p>Accepting or rejecting an employee's notice must be thoughtfully considered, whatever the circumstances, and communication should be clear and concise. If there is a disagreement, it may come down to both sides not effectively communicating. However, dispute resolution procedures are in place if the relationship is beyond solving in the workplace. It also should be noted that <a href=\"https:\/\/www.fairwork.gov.au\/starting-employment\/types-of-employees\/casual-employees\/becoming-a-permanent-employee#protections\" target=\"_blank\" rel=\"noopener\">protections are in place<\/a> against any adverse actions taken in reaction to an employee submitting a notice.<\/p><h2>What happens if there is an employment dispute?<\/h2><p>Any dispute must be resolved first in the workplace. However, if a dispute occurs due to a disagreement about an employee\u2019s employment status, there are a number of avenues that can be explored:<\/p><ul><li>Consultation with the Fairwork Ombudsman<\/li><li><a href=\"https:\/\/www.fwc.gov.au\/issues-we-help\/casual-permanent-status\" target=\"_blank\" rel=\"noopener\">Resolution mediated<\/a> by the Fairwork Commission<\/li><\/ul><p>Unfortunately, if either of these doesn\u2019t remedy the situation, the matter may have to be resolved in court, arbitrated by the Federal Circuit Court.<\/p><h2>The bottom line<\/h2><p>As the changes on the pathway from casual to permanent employment are new, there will be a degree of awkwardness in implementation. What is essential is good communication and honesty when discussing an employee's future in your business. As the date for small businesses to follow the new rules is set for 26 August 2025, there is plenty of time to review your procedures for <a href=\"https:\/\/www.reckon.com\/au\/small-business-resources\/payroll-guide\/workforce-management\/\" rel=\"\">managing your staff<\/a>.<\/p><p>You may find that the new process has new opportunities for <a href=\"https:\/\/www.reckon.com\/au\/small-business-resources\/hiring-staff-process\/traits-good-team-member\/\" rel=\"\">dedicated employees<\/a> to commit fully to your business. Whatever the employee choice pathway brings, ensure you are prepared with proper <a href=\"https:\/\/www.reckon.com\/au\/accounting-software\/payroll\/\">payroll systems<\/a> to navigate the changing landscape.<\/p>","_et_gb_content_width":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[343],"tags":[],"class_list":["post-300741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Online Payments Guide for Small Businesses | Reckon Blog<\/title>\n<meta name=\"description\" content=\"Learn how to incorporate online platforms into your business&#039;s core operations to increase sales and reach more customers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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