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What PayID is
A PayID identifies a bank account through information you can remember. Your bank resolves that identifier and displays the linked name before you authorise the transfer.
| PayID type | What it points to |
|---|---|
| Mobile number | The bank account linked to that number |
| Email address | The bank account linked to that email |
| Australian Business Number (ABN) | The bank account linked to that ABN |
| Organisation Identifier | The bank account linked to that identifier |
Some businesses supply a unique email PayID, which works the same way. PayID is a way to address a bank transfer; the recipient-name display lets you compare the destination before sending.
The name check before you pay
The name appears before you hit send, giving you a chance to stop a payment to the wrong person or business. Open online banking, then make the checks below.
Open Pay Anyone
This is the usual PayID entry point in online banking.
Check the identifier
Compare the PayID you enter with the payment instructions.
Read the displayed name
Your bank shows the person or business linked to that PayID before authorisation.
Compare the intended recipient
Stop if the displayed name belongs to an unrelated person or business.
Reject changing accounts and extra payments
Stop when the site swaps the destination or asks for money to release money.
A request to pay again to unlock funds matches a warning PayID gives explicitly.
| PayID never… | What to do |
|---|---|
| Contacts you directly | Reject calls presented as contact from PayID. |
| Sends emails or text messages to you | Treat messages pretending to come from PayID as scams. |
| Asks you to send money to receive money or “upgrade your account” | Do not send the requested payment. |
The ‘scambling’ warning
Scambling sites offer no player protections or guarantees. They are unlicensed gambling platforms promoted through social media and messaging apps to draw people into scam websites.
“If you are asked to transfer funds to a PayID on an illegal gambling site, it is almost certainly a scambling website.”
Australian Payments Plus
You cannot win money from these sites or recover money lost to scambling. Fintel identifies further risks: identity theft, unknowingly moving illicit funds through money laundering, and other fraud.
Accounts receive rapid payments from many players and are repeatedly cleared.
Participating on these websites is not illegal, however ACMA strongly advises against it because players have reported being denied access to their winnings or funds.
A 2022 PayID news item reported that one in four PayID users had stopped or edited a payment, preventing a mistaken payment.
What a PayID pokies site looks like
Payments to unrelated recipients and repeated account switches are the Fintel pattern behind “PayID pokies”. The websites combine payment instructions with familiar gambling features.
- A log-in and sign-up section.
- A live transaction table showing deposits and withdrawals against different phone numbers.
- Animated characters and pop-culture imagery.
- A toolbar with 4–5 options, such as home, history, promotions, live chat and settings.
- Announcements explaining how to transfer funds.
- English and Mandarin as the only languages.
- Affiliate and partner casinos.
- Lists of bonuses.
- A large selection of games.
- Brand imagery from banks, gambling regulators and cybersecurity vendors.
- Sometimes an App Store or Google Play app; mostly instructions to download a third-party app from an untrustworthy source.
Social groups distribute referral codes and bonuses for new players; referral commissions take a fixed percentage of those players’ losses. Payments for referring friends are possible even when winnings are highly unlikely.
| You see | What to do |
|---|---|
| An unrelated person’s name on the payment screen | Stop before sending and compare it with the intended recipient. |
| An unrelated clothing business as recipient | Stop. Fintel gives “JMS Fashion Pty Ltd” and “John MS Clothing Pty Ltd” as facilitator-account examples. |
| Instructions to switch to another account | Do not send to the replacement account; changing destinations fit the scambling pattern. |
| A further payment to receive money or upgrade an account | Reject the request. PayID never asks for either payment. |
Third-party download instructions warrant the same caution as fake Plinko apps. A Plinko legitimacy check starts with the operator and payment recipient, before any deposit.
If you already paid
Recovery is highly unlikely, so report the transfer to your bank promptly. Fintel sets out these reporting routes.
Contact your bank
Report what happened and the payment you made.
Report to Scamwatch
Submit the scam through the Scamwatch reporting form.
Report the social page
Report the page and website link to the social platform as a gambling scam.
Report the site to ACMA
Use the interactive gambling complaint form to report the website.
Fintel directs players to ACMA’s operator check: an operator absent from the list is likely operating illegally. For debt support, contact the National Debt Helpline on 1800 007 007.
What Australian players can use for Plinko
Lucky Block offers crypto payments, while Golden Panda publishes card, bank and crypto routes. These casinos are open to Australian players under their territory terms.
| Casino | Plinko | Funding or account currencies | Payout timing and minimum withdrawal |
|---|---|---|---|
| Lucky Block | Plinko category | Crypto: 14 coins | Processed within 24 hours of a request |
| Golden Panda | Plinko Pumpkins (Whoah Labs) | Card, bank and crypto; minimum deposit €20 | Usually instant; manual review up to 24 hours; bank credit within 5 business days after approval; minimum withdrawal €25 |
| Fast Slots | Plinko (Jackpot Studios); Plinko (TrueLab / Hub88); Portal Plinko (Delulu Gaming); Plinko Poker (i3Soft / Whoah Labs) | EUR, USD, CAD, NOK, AUD, CZK, PLN | Usually instant; manual review up to 24 hours; bank credit within 5 business days; minimum withdrawal €25 |
The Australian Plinko casino selection includes these operators. Compare Bitcoin funding with a Neosurf voucher, a deposit code with bank or cash-voucher withdrawals through myNeosurf. Casino review time and bank-credit time both matter when planning a Plinko withdrawal.
Page history
- PayID name checks, scambling warning signs, reporting steps and payment options at casinos open to Australian players.
18+ only. Some links on this page earn us a commission from the casino; it does not change the price for you.