Know the Moment Your Pay Lands
PayDay monitors your account 24/7 and automatically detects incoming salary payments. Within seconds, your money is split exactly how you planned.
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How Automatic Detection Works
Our intelligent system identifies your pay the moment it arrives, so you never have to lift a finger.
Connect Your Bank
Securely link your main bank account where your salary is deposited. PayDay uses bank-grade encryption through Akahu.
Smart Monitoring
Our system continuously monitors your account for incoming deposits that match salary patterns and amounts.
Instant Split
The moment your pay is detected, your split rules activate automatically. Money flows to the right accounts instantly.
Under 30 Seconds. Every Time.
Speed matters when it comes to your money. PayDay's detection engine is built for performance, ensuring your pay is identified and split almost instantly.
- Real-time monitoring
Continuous account checking, not hourly or daily batches
- Instant recognition
Smart algorithms identify salary payments immediately
- Fast transfers
Splits execute within seconds of detection
Average detection time
Continuous monitoring
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Reliability You Can Count On
Built with redundancy and failsafes, PayDay's detection system never misses a payday.
Smart Pattern Recognition
PayDay learns your pay patterns, including employer name, typical amounts, and payment timing. This ensures accurate detection even when amounts vary slightly.
Automatic Retry
If a split fails due to temporary issues, PayDay automatically retries. You'll be notified if any action is needed, but most issues resolve automatically.
Instant Notifications
Get push notifications the moment your pay is detected and when splits complete. Always know exactly what's happening with your money.
Full Transaction History
Every detection and split is logged with timestamps. Review your complete payment history anytime through the app dashboard.
Common Questions
What if I get paid at irregular times?
PayDay monitors your account continuously, regardless of when your pay arrives. Whether you're paid weekly, fortnightly, monthly, or at irregular intervals, we'll detect it as soon as it lands.
How does PayDay know which deposit is my salary?
During setup, you'll configure your expected pay source (employer name) and typical amount range. PayDay uses this information along with smart pattern matching to accurately identify your salary from other deposits.
What if my pay amount changes?
PayDay handles variable income beautifully. That's why we recommend percentage-based splits rather than fixed amounts. If you get a bonus, overtime, or your pay varies, your splits adjust proportionally.
Can I have multiple income sources?
Yes! You can configure multiple pay sources with different split rules for each. Perfect for those with multiple jobs, side hustles, or regular income from different sources.
See the split moments after your pay lands
As soon as PayDay detects your pay, your home screen updates with the fresh balance, the last pay amount, and the exact split ratio applied. You're not guessing, you're watching it happen.
- Live notification the moment pay is detected
- Last pay split summary shown on Home
- Countdown to your next payday
Ready for Hands-Free Pay Splitting?
Join thousands of Kiwis who never think about manually moving money again. Set it up once and let PayDay handle the rest.