With its mobile-enabled capability, authorising payments on the go couldn’t be easier – no more printing, no more paperwork and no more waiting.


Adviser Initiated Payments (AIP) is a service that allows you to make payments via the adviser portal on your clients’ behalf.

It saves you time and also provides you and your clients with more control and flexibility when making payments from their Macquarie Cash Management Account (CMA) and Consolidator Cash Account.

How it works

AIP is mobile-enabled and offers a BPAY® payment option. Simply submit a payment request via the adviser portal by 5pm (Sydney time) on any business day, and it will be processed the same day once authorised.

You can also make future-dated and recurring payments on your clients' behalf. This is particularly useful when your clients need to make multiple payments for the same amount to the same account, or when you know a future transaction will be needed.

Plus, clients can still make payments online directly using Macquarie Online or the Macquarie Mobile Banking app, so they’re in full control of their finances when they want to be.

Authorising is quick, easy and secure

Once you request the payment using AIP in the adviser portal, your client will receive an SMS with a secure code. They’ll need to provide this code to you verbally, either in person or over the phone. Codes via email must not be accepted.

To reduce the risk of fraud, don’t forget to validate the email or written instructions with your client once you receive them. A confirmation notice is also sent to your client via email once the transaction is complete - giving them full visibility and security.

What payments can be made using AIP?

AIP gives you and your clients the flexibility to use a number of different payment types without the need for a signed request.

The payment types available are:

  • PayAnyone, available to any account in Australia with a limit of $100,000 per day
  • transfers to any nominated account with no daily limit
  • unlimited BPAY payments (subject to BPAY biller code restrictions and limits).

Need help?

Get in touch with us if you’d like more information on using AIP with your clients.

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Additional information

Any information on this page in relation to mortgages has been prepared by Macquarie Securitisation Limited (MSL) Australian Credit Licence (ACL) 237863 ACN 003 297 336.

Unless stated otherwise, this information has been prepared by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502.

This information is provided for the use of licensed and accredited brokers and financial advisers only. In no circumstances is it to be used by a potential client for the purposes of making a decision about a financial product or class of products.

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