You can add funds to your Cloudfloat Wallet in several ways. Pick the one that suits how you manage cash flow, then use your balance to pay suppliers, cover scheduled repayments and more.
Top-up options at a glance
Option | Speed | Cost | Best for |
PayID | Usually instant | Free | Fast, no-fee top-ups from your bank |
Bank transfer (BSB and account number) | First transfer can take 1–2 business days, depending on your bank | Free | Planned top-ups when you're not in a rush |
Card (Top Up button) | A few seconds | 1.65% + GST (Standard) or 1.5% + GST (Pro) | Urgent top-ups |
Auto Refill (On Schedule) | Automatic, on your schedule | Depends on your payment method | Regular, predictable payments |
Auto Refill (On Low Balance) | Automatic, when your balance drops below your threshold | Card fee applies | Never running short of funds |
Fees are shown before you confirm. GST on Cloudfloat fees is claimable.
Option 1: Top up with PayID
Log in to your Cloudfloat dashboard and go to Wallet → Top Up.
Select PayID or Bank Transfer, choose your preferred PayID email and click Register. This email becomes your unique Cloudfloat PayID (and your forwarding email address), so choose carefully.
In your banking app, select a PayID transfer, enter your Cloudfloat PayID email and the amount, then confirm.
Funds usually appear in your Wallet instantly. Tip: save your PayID in your banking app for one-tap top-ups.
Option 2: Top up by bank transfer
In your Cloudfloat dashboard, go to Wallet → Top Up and copy the BSB and account number linked to your PayID.
In your banking app, set up a new transfer using those details.
Include your Cloudfloat reference in the payment description so we can match the deposit to your Wallet.
Your first transfer can take 1–2 business days, depending on your bank.
Option 3: Top up by card
On your Cloudfloat home page, find the Wallet on the right-hand side and click Top Up.
Enter the amount and click Confirm.
Your top-up processes in a few seconds, your balance updates automatically and you'll see a confirmation message. Card top-ups cost 1.65% + GST on Standard, or 1.5% + GST with Cloudfloat Pro.
Option 4: Set up a Auto- Refill (On Schedule)
Go to your account Dashboard and open the Wallets section.
In the Wallet section, click Auto-Refill next to Add Funds.
Choose the On Schedule, top-up amount and frequency, Weekly or Monthly then click Enable Auto-Refill.
A weekly recurring top-up is a good way to make sure there are always enough funds for your payment requests.
Option 5: Set up a Auto- Refill (On Low Balance)
Each time you pay from your Wallet, Cloudfloat checks whether your balance is about to fall below your chosen threshold. If it is, your saved card is charged to top you back up.
Go to your account Dashboard and open the Wallets section.
In the Wallet section, click Auto-Refill next to Add Funds.
Choose the On Low Balance, top-up amount and frequency, Weekly or Monthly then click Enable Auto-Refill.
Which option should I choose?
Want to avoid fees? Use PayID or bank transfer.
Need funds right now? Use a card top-up.
Want to set and forget? Use a recurring top-up or Smart Top-Up.
Frequently asked questions
What happens if my top-up is made but my payment request isn't approved?
Your top-up stays in your Wallet and is ready for your next payment.
2. Where can I see my top-ups?
Click Transactions on your Wallet to see the date, amount and remaining balance for every transaction.
3. Who can use the Wallet?
Australian-registered businesses with a valid ABN and GST registration.
Need a hand? Contact [email protected].