Paddock vs. PayID & Bank Transfer

PayID works. Managing 40 of them doesn't.

One transfer you can track. Forty transfers across a busy weekend β€” with buyers messaging "did you get it?", orders held for payments that never arrive, and a spreadsheet that’s already wrong β€” that’s a different problem. Paddock handles payment automatically, so you handle it zero times.

PayID is genuinely useful and most Australians have it set up already. For occasional, low-volume selling it's fine. The problems stack up when you're selling regularly, handling multiple buyers at once, or trying to manage orders without a proper system.

The problem with PayID & bank transfer

"Did you get my transfer?"

The most common message in every local seller’s DMs. You check your banking app, search the name, try to match the amount. Meanwhile the buyer is waiting, the eggs are sitting there, and you’re doing manual reconciliation on your phone.

Orders held for ghost payments

A buyer says they’ll transfer. You hold their order. An hour later, nothing. You message them. No reply. The stock you held for them is now unavailable to other buyers.

Your number, handed out

PayID requires giving out your phone number or email address to every buyer. For home-based sellers, that’s a privacy concern β€” and one that builds up fast as your customer base grows.

Payment and order are disconnected

Payment comes in but there’s no automatic connection to "what did they order?". You’re cross-referencing DMs, bank transactions, and memory. One missed match and the wrong order gets packed.

No dispute trail

If a buyer claims they didn't receive their order or there's a dispute, there's no transaction record beyond a bank transfer. Resolving it is awkward and manual.

Paddock vs. PayID & Bank Transfer β€” at a glance

Feature
PayID & Bank Transfer
Paddock
Payment confirmation
Manual β€” check banking app, match name and amount
Automatic β€” buyer gets a confirmation the moment they pay
Buyer shares payment details
You receive their bank transfer name β€” no context
Paddock handles it β€” no personal details exchanged
Seller shares personal details
Yes β€” phone number or email (your PayID)
No β€” buyers pay through Paddock, not direct to you
Order tracking
Mental list + DM thread
Dashboard β€” every order with status, items, and buyer name
What if payment doesn't arrive?
Chase via DM, hold stock, risk the sale
Order only confirmed on successful payment β€” no chasing
Payment methods accepted
Bank transfer only
Card, Apple Pay, Google Pay, bank card
Payout timing
Immediate β€” but your time reconciling it isn't
1–2 business days via Stripe Express
Receipt for buyer
A bank notification
Branded Paddock confirmation email + order reference
Cost
Free
Free to list β€” 4% only when you sell

With Paddock, you get

Payment confirmed first

When a buyer checks out, Stripe confirms the payment before the order appears in your dashboard. No transfer waiting. No DM chasing. It either paid or it didn’t.

No details exchanged

Buyers never get your phone number, email, or bank details. You get their order. They get their produce. Nothing else needs to change hands.

Everything in one place

Every order in your dashboard has a buyer name, items ordered, total amount, and payment status. Everything in one place β€” no cross-referencing required.

Tap-to-pay at markets

Tap-to-pay via your QR flyer at markets. Buyers scan, choose, pay β€” faster than a PayID transfer and confirmed instantly.

Stop chasing transfers. Paddock handles payment automatically β€” start free, 4% only when you sell.

How Paddock compares to…