Get paid in 24 hours.


Traderate empowers your customers to pay the way they want to pay over 8 weeks.

You complete the job and we pay you in 24 hours, it's that simple.

  • Improved cashflow
  • Guaranteed job payment
  • Repeat business 



1. Drive new sales

No more waiting, your customer can get the work done today.


2. Minimise your risk

We manage the risk of all late and failed customer payments.


3. Grow your business

Build a word of mouth business with repeat customers.

HubSpot Video


Its simple and easy to get started.

You provide the Traderate 8 week payment option at time of quote.

The customer agrees, registers with Traderate and is approved instantly. 

You simply complete the job and confirm online.

We pay you within 24 hours, it's that easy.

Here's what our trades are saying:

Meet Michael & Betty Foster from Sparkymics:

We are very happy with the Traderate service. It is an easy and affordable way for us to provide our clients with a flexible payment option helping them to get their work done now without the upfront outlay. 

It is particularly useful for clients to budget for unexpected electrical repairs or maintenance.

Using the Traderate system is impressively easy for both ourselves and our clients and the money is in our account fast. Highly recommend.

sparkymics 2
sparkymics 3

Our Trusted Industry Partners

Mitti Logo




Flat Fee



No more to pay!

We believe in being transparent with our trades, that means we charge a flat 7% with no hidden fees or charges.

Reduce your risk, guarantee your cashflow, no more to pay!

For all customer purchases up to $2,000 on Credit and $1,000 on Debit.



Are you a customer?

Why should you have to wait. It's about getting the work done today.

Our convenient online payment plan lets you choose your preferred payment option over 8 weeks.

With Traderate you can get the job done straight away.

Tradesman shaking hand - small


Get paid in 24 hours, while your customers pay later.

By partnering with Traderate, payment is guaranteed.

Our safe and secure online platform empowers the customer to pay the way they want to pay over 8 weeks.

Helping you improve your cashflow, connect with more customers and win repeat business.

How it works

1. Job quote 

You provide the Traderate 8 week payment option at time of quote or invoice.


2. Customer registers

Customer registers with Traderate and pays 20% deposit for purchases up to $2,000* T&C's Apply


3. Job done

You complete the job, confirm online and we pay you within 24 hours minus our 7% Flat Fee.

female painter - small


How we help you get paid faster.

In today's market customers want more choice and don't want to deal with lump sum payments. Traderate is an easy solution that will help you get paid on time, every time.

We all know late payments are a hassle, customers won't pick up the phone and you don't want the stress of chasing them.

The introduction of payment services see the tradesperson paid on average 55% sooner.

Built for business big and small.

Paid on time, every time

left-quote Created with Sketch.

I was sick of chasing customers up for payment,  Traderate has made business a lot easier that's for sure.

Simon Arthur - Plumber
Caufield, VIC
left-quote Created with Sketch.

This is the best way to pay for work done around the house... about time!

Mark Robinson
Geelong, VIC
left-quote Created with Sketch.

It was easy to get started and easy for my customers.

Geoff Simpkin - Electrician
Carlton, VIC
left-quote Created with Sketch.

I was behind on payment and then saw the Traderate link on my invoice, I was able to make the first payment that day.

Meg Riley
Fitzroy, VIC
left-quote Created with Sketch.

Its very helpful. Wish more trades used it.

John Lethbridge
Ballarat, VIC
left-quote Created with Sketch.

This is great! Especially for homeowners during this period... Thanks

Anne Donnelly
Malvern East, VIC



Do I get paid straight away?
  • As soon as your customer makes the initial deposit, Traderate contact you to reconcile the invoice amount and you are paid within 24 hours of job completion.
Can I use Traderate to get a deposit?
  • Yes, your customer registers with Traderate when they make the initial payment (20% of the job cost) and you can complete the job risk-free.
Are there any extra fees?
  • Traderate charge a flat service fee and that's it. No hidden extras and no more to pay.
Does Traderate do a credit check?
  • No, Traderate does not conduct external credit checks and no application fees.
What repayment options do you offer?
  • Traderate allows your customer to choose from 3 easy payment options, weekly, fortnightly or monthly.  
What cards do you accept?
  • Traderate accepts VISA and MasterCard credit and debit cards for payment.
How much can my customer spend with Traderate ?
  • Traderate have a maximum spend limit of $2,000 for all customers. Debit Card Limit $1,000. Credit Card Limit $2,000
Can my customer change their repay day?
  • Your customer's Repay Day is based on the day of the week they complete the deposit with us. So, if a Traderate payment is set up on a Tuesday, the repayments will come out every Tuesday based on their weekly, fortnightly, or monthly selection. Payments are usually taken between 2am-5am. If your customer needs to change their Repay Day just let us know by sending us an email to
Is Traderate safe and secure ?
  • At Traderate our number one priority is the protection of your data. We use the Stripe Payment Platform who have been audited by a PCI-certified auditor and is certified to PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry. To accomplish this, we make use of best-in-class security tools and practices to maintain a high level of security.
What is Financial Hardship ?
  • Financial hardship can happen to anyone. If your customers are struggling to keep up with bills or repayments, they may be experiencing financial hardship. We want you and them to know that we are here to help. If your customers are having trouble making repayments, we can work together to make a plan to get them back on track. We encourage customers to get in touch with us as soon as possible. The sooner they contact us, the better. We will talk through the circumstances to understand what options are available to help improve their situation.

Other Resources ?
  • You may wish to access independent financial counseling and support including through the National Debt Helpline which is a free independent government service. You can find step by step guides, as well as access to financial counselors in your state via its hotline 1800 007 007.

Get paid with Traderate

Safe, secure, simple.

Start today!