Offer proactive payment arrangements

Solutions for digital arrangements and hardship

Prompt residents to set up flexible payment plans all through their mobile phone. No more paper forms. Start offering a slick digital experience and collect more revenue on time with a proactive approach to collections.

No more double-handing arrangements – automatically create direct debit or recurring payment schedules during arrangement set-up.

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Integrations with...

No more..

Paper forms
Online PDF storing card or bank data
Manual process and data entry in your backend
Customer not honouring negotiated instalments
Clunky customer experience having to download, complete then email or scan

Some key findings...

  • Almost all councils had a hardship policy but they varied greatly
  • Information about hardship relief can be hard to find
  • Many councils encourage ratepayers in financial hardship to go on payment plans
  • Councils do not always tell ratepayers their rates can be deferred or waived
  • Councils had an over reliance on debt collectors
  • Some councils were too quick to sue, including litigation against victims of family violence and people with mental health issues
  • Council hardship practices compare poorly with sectors such as banks, energy and water

    Source: Victorian Ombudsman Investigation into how local councils respond to ratepayers in financial hardship


  • Payble provides Council with a world-class flexible payment experience for rate payers
  • Full visual audit trail of each interaction with the customer
  • Integrate with your existing payment gateway or we can bundle one for you
  • A slick biller/admin portal with a real-time timeline of interactions with residents

What you get...

Standard Benefits:

A digital checkout like experience designed for people living in 2022 to increase customer satisfaction
No more re-keying or manual processes from paper forms saving time and operational costs
Increase customer happiness with recurring card payments without internal PCI compliance overheads
Collect more rates revenue on time and reduce failed or late payments

Why we are different...

Transformational Benefits:

A slick admin portal for staff to view a timeline of customer interactions in real time
Meet and exceed your legislative obligations when offering hardship solutions
A friendly, proactive, digital, self-service customer experience
Automated proactive payment repair and smart retries and notifications
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