Australia's payment rails are being rebuilt.
GANI Pay is building the consumer and merchant infrastructure layer on top of PayTo, the RBA-mandated real-time payment framework now live across every major Australian bank.
Australians joined the waitlist before we built it.
The OnRepeat waitlist reached confirmed signups at a sub-$15 cost per acquisition — before a single line of app code was written. The pain is real, the timing is right, and consumers are already looking for the solution.
Confirmed signups before writing a line of app code
First institutional raise
Why now. Why PayTo.
PayTo is a mandatory rails upgrade across every Australian bank. GANI Pay is building the first consumer and merchant layer on top of it.
The RBA is mandating PayTo adoption. The surcharge ban is pushing merchants off card networks. Both shifts accelerate GANI Pay's addressable market without requiring consumer behaviour change.
A single PayTo authority covers everyday spending via Drift and recurring payments via OnRepeat. One authorisation event. Two product surfaces. Compounding LTV.
Operated by GANI Tech Pty Ltd (ACN 683 311 006). PayTo services processed through a licensed Australian payment facilitator. Compliance-first from day one.
OnRepeat first. Drift on the back of it.
We are building consumer wallet share first through OnRepeat, then activating that wallet for merchant payments via Drift. Every OnRepeat user who authorises a PayTo mandate is pre-onboarded for Drift at checkout — zero additional CAC.
Consumer recurring payment control. Rent, bills, subscriptions via PayTo. Building wallet share and mandate network.
Merchant payment acceptance at 0.5% flat. Activates the OnRepeat mandate network for everyday spending. No re-onboarding required.
The mandate network compounds. Every consumer who authorises for OnRepeat becomes a pre-onboarded customer for every future GANI Pay product. That is not a feature. That is the business.
Interested in the round?
We share the investor deck on request. Send a brief introduction and we will come back to you promptly.
GANI Tech Pty Ltd (ACN 683 311 006). This page does not constitute an offer of securities.