Frequently
Asked
Questions

humm®pro

hummpro is a buy now pay later product for business. You can pay for all the things you need now to run your business and choose when you repay to stay in complete control of your business cashflow.

Once you’ve opened your hummpro account and added your card to the digital wallet on your mobile phone, you can start transacting instore and online – at just about any location where Mastercard is accepted.

When transacting instore, simply open the Apple or Google Wallet on your mobile phone and tap your phone to pay.

To shop online, use the ‘Card Reveal’ function inside the app. This will show your card number and expiry date, which you’ll need to enter at the online checkout. Spin the card by swiping it to see the three-digit CVC (CCV) security code.

Every transaction you make over a month will be grouped into one repayment with an additional month to repay.

Every transaction you make over a month will be grouped into one repayment with an additional month to repay.

If you would like to extend the terms of a repayment, you can ‘Pause’ for an extra month or create a ‘Plan’ for 6, 9 or 12 months. See the ‘Fees’ section for what you will pay to Pause or Plan. Every month this cycle restarts so your transactions always remain in a simple monthly grouping.

The maximum limit you can apply for is $30,000.00

The minimum limit you can apply for is $1,000.00

All of your transactions over a month will be grouped into one repayment which you will then receive an additional month to repay.

If you’d like to change the terms of a repayment, you have the option to Pause for an extra month or to create a Plan for 6, 9 or 12 months. Every month this cycle restarts so your transactions always remain in a simple monthly grouping.

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General Information

Download the app from the App Store or Google Play and follow the prompts.

You may be eligible to open an account provided you are:

  • 18 years of age or more
  • Australian/New Zealand citizen or permanent resident
  • Sole trader or director of the business – this means you are authorised to open a financial facility on behalf of the business.

To sign-up your business you’ll need the following:

  • The ABN / NZBN for your business (which will be the borrower)
  • Australian/New Zealand citizen or permanent resident
  • Confirmation your business (the borrower) has been in operating for at least 1 year
  • Authority to open this account for your business (i.e. you must be the sole trader, a director, a partner or a trustee of the business)
  • Your business bank account login details
  • Your business estimated annual turnover and net profit
  • One form of ID:
    1. Australian / NZ Driver Licence; or
    2. Australian / NZ Passport

What is the application process?

  • Download the app
  • Provide your email and mobile number – this will be your login credential
  • Provide your Photo ID – we will need name, DOB, address, DL / PP number
  • Business details – ABN / NZBN
  • Bank login
  • Estimated turnover / net profit
  • You can request a credit limit (up to $30k) or we will automatically assign one for you

How long will the application take?

  • We will try to approve you instantly – in some instances we may need to review your application (expected turnaround 1 business day)
  • If there are other parties to the application we will need to contact these parties (e.g. other directors / shareholders) as part of our AML obligations and to execute the contract (depending on your business type)

Supported business types:

Business TypeWhich authorised person is required to open the account / sign the contractIdentity and credit check requirements for authorised personAny other parties required?Additional documents?
Sole TraderSole Trader
  • Photo ID verification
  • Personal credit check
n/an/a
Pty Ltd Company – single directorSole Director
  • Photo ID verification
  • Personal credit check
n/an/a
Pty Ltd Company – multiple director2 directors
  • Primary applicant
  • Secondary signatory
  • Photo ID verification
  • Personal credit check
  • For primary applicant and secondary signatory only
All shareholders ( ≥ 25%) need Photo ID verificationn/a
PartnershipPer partnership agreement
  • Photo ID verification
  • For primary applicant and secondary signatory(ies) only
  • For primary applicant and secondary signatory(ies) only
All partners require Photo ID verificationCertified partnership agreement
TrustsPer trust deed
  • Photo ID verification
  • Personal credit check
  • For trustee(s) only
Individual trustee require Photo ID verification. Appointors of the trust require Photo ID verification.Certified trust deed
  • The ABN / NZBN for your business (which will be the borrower)
  • Confirmation your business (the borrower) has been in business operating for at least 2 years
  • Authority to open this account for your business (i.e., you must be the sole trader, a director, a partner or a trustee of the business)
  • Your business bank account login details
  • Your business estimated annual turnover and net profit
  • One form of ID: (AU and NZ versions)
    • Australian / NZ Drivers Licence; or
    • Australian / NZ Passport

No. Unlike a bank, we do not require your hummpro facility to be secured against any assets – so you don’t have to offer any of your business or personal assets as security. No need to put your house up as security! We also do not require any personal director guarantees. .

To enable us to make a decision quickly, we need to obtain your bank statements online and transform them into data we can analyse immediately through our lending decision platform. You don’t have to print, scan and email your statements to us.

We use Illion for this service, a well-known and trusted provider of credit and decisioning services used by all major banks and financial institutions globally.

We never have access to your bank account or login details. We access read-only information on your account and transaction history to approve your application. Your data is secured by 256-bit bank level encryption. You can find out more at Illion Bank Statements FAQs and illion Terms and Conditions.

We are committed to giving you a quick decision, in some cases almost instantly. To help us do this, we require information about your business upfront. We use data from your bank statements, your estimated annual turnover, and net profit to calculate your capacity to meet your repayments to make sure we are lending responsibly, and you can afford to comfortably meet your repayments.

  1. Download the App
  2. Provide:
    • your email and mobile number – these will be your login credentials
    • Photo ID and ID details – name, DOB, address, DL / PP number
    • Business details – ABN / NZBN
    • Bank login
    • Estimated turnover / net profit
  3. Request a credit limit (up to $30k) or we will automatically assign one for you.
  • Typically, we will try to approve you instantly. However, in some instances we may need to review your application (turnaround SLA 1 business day).
  • If there are other parties to the application (other directors, shareholders etc.) we need to contact these parties as part of our AML obligations.

Supported business types:

Business Type (Australia)Which authorised person is required to open the account / sign the contractIdentity and credit check requirements for authorised personAny other parties required?Additional documents?
Sole TraderSole TraderID verificationPersonal credit checkn/an/a
Pty Ltd Company – single directorSole DirectorID verificationPersonal credit checkAll shareholders (>= 25%) need ID verificationn/a
Pty Ltd Company – multiple director2 directors Primary applicantSecondary signatoryID verificationPersonal credit checkFor primary applicant and secondary signatory onlyAll shareholders (>= 25%) need ID verificationn/a
PartnershipPer partnership agreementID verificationPersonal credit checkFor primary applicant and secondary signatory(ies) onlyAll partners require ID verificationCertified partnership agreement
TrustsPer trust deedID verificationPersonal credit checkFor trustee(s) onlyAll beneficiaries required ID verificationCertified trust deed
Business Type (New Zealand)Which authorised person is required to open the account / sign the contractIdentity and credit check requirements for authorised personAny other parties required?Additional documents?
Sole TraderSole TraderID verificationPersonal credit checkn/an/a
Limited Company – single directorSole DirectorID verificationPersonal credit checkAll shareholders (>= 25%) need ID verificationn/a
Limited Company – multiple director2 directors Primary applicantSecondary signatoryID verificationPersonal credit checkFor all directorsAll shareholders (>= 25%) need ID verificationn/a
PartnershipPer partnership agreementID verificationPersonal credit checkFor all partnersn/aCertified partnership agreement
TrustsPer trust deedID verificationPersonal credit checkFor trustee(s) onlyAll beneficiaries required ID verificationCertified trust deed

How will other parties to the account be contacted for their details?

Primary applicant will need to provide the contact details for additional parties.

In Australia:

  • For primary applicant
    • Contract execution and Photo ID details are provided directly within the App
  • For additional signatories:
    • Contract execution and Photo ID details are provided by email (Photo ID can be a PDF or picture – no need to certify)
    • We will verify ID and also conduct personal credit check
  • All other shareholders (>=25%) / Beneficiaries / Partners
    • Contract execution and Photo ID details are provided by email (Photo ID can be a PDF or picture – no need to certify)
    • We will verify ID

In New Zealand:

  • For primary applicant
    • Contract execution and Photo ID details are provided directly within the App
  • For additional signatories:
    • Contract execution and Photo ID details are provided by email (Photo ID can be a PDF or picture – no need to certify)
    • We will verify ID and also conduct personal credit check
  • All other directors, partners, trustees
    • Contract execution and Photo ID details are provided by email (Photo ID can be a PDF or picture – no need to certify)
    • We will verify ID and also conduct personal credit check
  • All other shareholders (>=25%) / Beneficiaries / Partners
    • Contract execution and Photo ID details are provided by email (Photo ID can be a PDF or picture – no need to certify)
    • We will verify ID

This means that our customer service team are reviewing something on your application, and they’ll be in touch. 

Please contact us at any time on https://www.hummpro.com/au/contact-us/.

Open the Apple or Google wallet on your mobile phone, swipe to reveal your card and tap your phone to pay.

For more info on this you can visit the links below:

Apple

https://support.apple.com/en-au/HT201239

Google

https://pay.google.com/intl/en_au/about/learn/

Use the Card Reveal function on the app. This gives you access to your card number and expiry date, which you’ll need to enter at the online checkout. Swipe the card and it will then reveal the three-digit CVC security code.

All your statements are emailed to you monthly so if you need to find a statement just search your email inbox.

We do not currently offer a physical or paper statement.

For now, it’s a digital card only. Watch this space though!

Yes. The only requirement is that you are an authorised person for your business, meaning you are authorised to bind your business into financial contracts, and act on behalf of your business. All joint account holders will have access to the full account and functionality.

Unfortunately, we don’t have restricted employee cards yet – but an employee petty cash card is in development.

Your hummpro digital card is activated automatically when your account is opened. You can use it instantly.

You’ll need to add your card to your Apple or Google digital wallet available on your mobile phone to use Tap and Pay instore.

When transacting instore, simply open the Apple or Google Wallet on your mobile phone, swipe to reveal your card and tap your phone to pay.

For more info on this you can visit the links below:

Apple

https://support.apple.com/en-au/HT201239

Google

https://pay.google.com/intl/en_au/about/learn/

Yes. To close your account, please contact us on https://www.hummpro.com/au/contact-us/

hummpro currently supports the following devices:

  • iOS 12 or later; and
  • Android 6.0 or later, only Android devices with NFC capability.

Absolutely. Just add your digital card to your preferred wallet.

Yes.

Please contact us on https://www.hummpro.com/au/contact-us/.

Self-serve mobile and email updates within the app are in development. Watch this space!

No. Re-install the app and access your account with your login details as per usual. For your security you will be asked to authenticate your new device via a code that we send to your email or mobile and you will need to login again with your password. You can then setup an app passcode and Touch ID/Face ID logins for quick access next time.

Contact us. Self-serve mobile and email updates within the app are in development.

Your account can only be accessed through the hummpro app.

Web browser log in is in development. Watch this space!

This is most likely because you have missed a repayment and your account is overdue. It might also be because we have picked up an anomaly in your account (e.g. a suspicious transaction or login).

If there are any issues, contact us immediately on https://www.hummpro.com/au/contact-us/ and we will resolve it with you ASAP.

If you are the primary applicant, you will be asked to provide the contact details for additional parties.

  • For additional signatories:
    • They will receive an email / phone call from us
    • Contract will be emailed to them for execution
    •  They will need to email back their Photo ID (scanned PDF or picture – no need to certify) and executed contract
    • We will verify their Photo ID and conduct a personal credit check
  • All other shareholders (≥25%) / Beneficiaries / Partners
    • They will receive an email / phone call from us
    •  They will need to email back their Photo ID (scanned PDF or picture – no need to certify) and executed contract
    • We will verify their Photo ID

We will need to check your Trust Deed / Partnership Agreement to verify:
• Who is authorised to open the account and who needs to be identified
• Who is authorised to execute a contract
• How the contract should be executed

We will ask for these documents (if applicable) as part of the application process.
• The document must be certified
• The entire trust / partnership agreement is not required. Only the schedule showing clearly the name of the trust/partnership, plus naming all parties to the trust/partnership is required
• Corporate trustee permitted

Yes. You can use hummpro while overseas. You must download and install the app in Australia or New Zealand first. You must have ‘location services’ enabled to use the ‘Card Reveal’ feature.

An important part of using hummpro is keeping your app up to date, this way you’ll always be using the latest technology and features!

Click which device you have for instructions:

Apple

https://support.apple.com/en-

Android

https://support.google.com/googleplay/answer/113412?hl=en

No currently hummpro does not offer cash withdrawals.

We are working on enabling new features such as enabling you to make cash disbursements to your linked bank account so you can make those emergency cash flow payments such as payroll. We are also developing better integrated invoice payment functionality.

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Fees

We will retry a repayment if we do not receive it by 3pm on the due date. If your default funding source is a card or Apple Pay, we will typically retry the next day. If it is a bank account, we will retry when we receive a dishonour notice from your bank. We will typically only retry once. If the retry is unsuccessful a $20 late fee will be charged.

Yes, the following fees apply to your hummpro account:

Account Fee

We charge a flat $15 account fee per month. This fee is only charged if you use your hummpro account in that month. Note if you have an outstanding balance, but have not used your account in the month, we will not charge you the account fee for that month.

Late Fee

$20 

Pause Fee

3.5% of your monthly balance per Pause. A Pause gives you an extra month to pay meaning your due date is deferred for a month. The Pause Fee is charged in advance when you Pause. You can only Pause the same monthly balance twice.

Plan Fee

A Plan allows you to break your monthly balance due into monthly instalments for the duration of the Plan. You can choose a 6, 9 or 12 month Plan.

The Plan Fee is 1.5% of your starting Plan balance, charged each month on your cycle date. The monthly Plan instalments and fee are due each cycle date, for as long as the Plan remains open.

The monthly Plan instalments and fee are due each cycle date.

You have the freedom to pay off your Plan early at any time, which means any future Plan fee that has not yet been charged will not be charged.

Plan DurationPlan Fee
6 months1.5% of your starting Plan balance
Maximum Plan Fee of 9%
9 months1.5% of your starting Plan balance
Maximum Plan Fee of 13.5%
12 months1.5% of your starting Plan balance
Maximum Plan Fee of 18%

You have the freedom to pay off your Plan early at any time.

Yes. We will retry a repayment if we do not receive it by 3pm on the due date. If your default funding source is a card or Apple Pay, we will typically retry the next day. If it is a bank account, we will retry when we receive a dishonour notice from your bank. We will typically only retry once. If the retry is unsuccessful a $20 late fee will be charged.

You will only be charged a single Late Fee per cycle date (if you have multiple repayments due, we treat these all as a single repayment).

We will not keep charging you a Late Fee for the same repayments due.

If you ever run into difficulty making your repayments, please speak to us immediately. We are here to help you.

No. You can repay any outstanding amount at any time before the due date of that repayment is due with no fee.

You can pause each monthly balance twice only.

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Repayments, funding sources and automatic repayments

The app will always show you when repayments are due and give you the option to extend your repayment terms by selecting Pause or Plan.

Your repayments are due by 3.00 pm (Sydney time) on the due date.

You can manually make the repayment via the app before 3.00 pm on the due date or, if no manual payment has been received, we will debit your funding source for the amount due.

If there are not sufficient funds with your funding source, we will attempt to retry the debit for the amount due. If the retry fails and we still have not received a manual payment from you via the app, we will charge you a late fee of $20.

Your cycle date is an important date for your hummpro account. It is the date your account is opened and will then become the date your repayments are due. It is always the same date each month except the for the 29th, 30th or 31st of the month, which we will align to the 26th, 27th or 28th of the month.

All your transactions each month are grouped into a single balance that is due on your cycle date.

For example, if you opened your account on the 15th of March your cycle date will always be the 15th of each month. Your first set of transactions will be grouped and will close on the 15th of April. Your total balance will then become due in one month’s time on the 15th of May. If you choose to Pause or Plan your new repayment date will also be on the 15th of the month.

Yes. You can make a full or partial repayment at any time.

You can repay in advance directly to your hummpro account from your app at any time. We will then allocate your repayments in the following order:

(1) to any overdue amounts;

(2) to fees and charges;

(2) to fees and charges;

(3) to your due repayments in date order.

You also have the option to make a repayment to a specific monthly balance or Plan – it’s another way we let you choose how to manage your cashflow. in date order.

When you set up your hummpro account you will be asked to set up a default funding source. This can be a debit or credit card (VISA or Mastercard), a bank account for direct debits or Apple Pay.

Unless you have already manually made a repayment for the applicable balance, all repayments will automatically be debited from your default funding source on the repayment date.

At this stage, we only support Australian / New Zealand issued VISA and Mastercard cards. We don’t support pre-paid cards or Amex, Diners or non-Australian / New Zealand issued VISA and Mastercard cards.

Your bank account may be an Australian or New Zealand transaction bank account as long as it is the account you use for your business.

Only if you still have an amount outstanding. If you make a full repayment of the amount due on the scheduled due date, then your funding source will not be charged. However, if you only make a partial repayment of the amount due on the scheduled due date, your selected funding source will be charged the outstanding amount.

You can add as many funding sources as you like by going to the ‘Settings’ section within the app and updating your funding source. When you add a new funding source, it becomes your default funding source. You can change your default funding source anytime, but you must always have at least a single default funding source.

Yes. The digital card operates just like any other debit or credit card. Just add your humm pro card to your favourite retailers and subscriptions – like Xero or a supplier with whom you have regular outgoings.

Yes. We will allow you to link multiple funding sources. We will direct debit your default funding source when your repayments are due.

Simply, go to the ‘Settings’ section within the app and update your linked funding source.

We hear you. This will be an upcoming feature where you can choose a different cycle date that suits you. Watch this space!

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Card Reveal

The Card Reveal functionality in the app gives you secure access to your card number, expiry date and CVC so you can make purchases online (not just in-store).

Press the ‘View my card’ button in under the wheel on the app’s home screen. For extra security, you will need to enter your app passcode again or use Touch ID or Face ID depending on your settings.

Swipe your digital card in the app to expose your CVC (CVV). It is viewable on the back of your digital card just like a physical card.

You can use ‘Card Reveal’ overseas but you must first download and install the app and reveal your card in Australia.

No, not unless you advise us that your card has been compromised or if you request a new card number.

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Credit limits

The maximum limit you can apply for is $30,000.00

The minimum limit you can apply for is $1,000.00

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Security

Your safety, security and privacy are our priority. We use the latest security and technology in order to protect your personal information and credentials.

Yes, hummpro supports both Touch ID and Face ID. You’ll be prompted to enable Touch ID or Face ID when you first sign up (if your phone is equipped). You can still use a PIN if you prefer and can turn Touch ID or Face ID on at any time in your app settings.

Yes. You can change your PIN through the ‘Settings’ section in the app. You can change both the PIN for your card (card PIN) and the PIN for your app (passcode)

Don’t sweat it! Click the ‘forgot your password?’ link and follow the prompts to reset your password.

  • Some online merchants who have 3D Secure enabled will require 3D Secure authentication when you make an online purchase.
  • You may be presented with a 3D Secure challenge screen on the merchant website, similar to this: 
3Dsecure Screen1

  • humm pro will send you the 3D Secure code via SMS to your mobile

3D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. The name refers to the “three domains” which interact using the protocol:

  • Merchant/Acquirer domain (the financial institution and merchant to which the money is being paid).
  • Issuer domain (the financial institution which issued the card being used).
  • Interoperability domain (the infrastructure provided by the card scheme, e.g. Mastercard, VISA etc)
  • We will send the 3D Secure code via SMS to your registered mobile number. This is the mobile registered against your hummpro account, and which we use to communicate with you. Ensure that you have the mobile with you.
  • If you still have problems, please contact us immediately
  • We may also require 3D Secure verification when you add a card as a funding source to your hummpro account.
  • You may be presented with the following 3D Secure screen when adding a card:
  • Your card issuer will send you a 3D Secure code (could be via SMS, email, or an App notification – depending on your card settings with your bank).
  • Input the 3D Secure code to complete adding the card as a funding source to your hummpro account.
  • Ensure you have the correct details set-up with your card issuer i.e. check that your mobile number, email details are correctly set up with your card issuer/bank. Some card issuers will send the 3DSecure code directly to your bank app. Check that the app is installed on your device and that you are logged in.
  • You should contact your card issuer/bank if you have problems receiving your 3DSecure code for the card you want to add as a funding source.
    Example FAQs: https://www.commbank.com.au/support.digital-banking.did-not-get-netcode.html

If you suspect fraudulent activity on your account, please let us know immediately. Also be sure to change your password in the security settings in the app.

At the moment, you have to contact us directly to change your details.

That’s 1300 4866 776 in Australia or 0800 4866 776 in New Zealand.

You don’t have to tell us about your plans to travel overseas. Your card will work wherever Mastercard and contactless payment is accepted.

First rule out transactions you don’t recognise by checking:

  • Was the purchase made by any other cardholder authorised to operate on the account?
  • Could the business be trading under a different name? Check this by looking at a specific transaction in more detail and Google search the name you see listed.
  • Was the transaction made in a foreign currency and converted into Australian?
  • Is the transaction a regular membership, subscription fee or app download?

If you check all the above and believe the charge is fraudulent please fill out our disputed transaction form here and email it to [email protected]

For extra control and security over your account you can put a temporary block on your card under the security section in the app.

We do our best to help with most enquiries but only the business who has charged you can resolve:

  • Refunds or exchanges if you change your mind
  • Membership or monthly subscription enquiries
  • Issues with software you’ve downloaded

Please note any pending transactions will need to be fully processed before we can help you raise a dispute. It generally takes 3 to 5 business days to process a transaction, although it can take 10 business days or longer.

You may see two types of pending transactions:

Your purchases:

These transactions are being processed through the merchant’s bank accounts and our systems.

Your repayments:

These will be repayments from your bank account as a funding source. It typically takes up to 3 days for your bank to process your bank account direct debit repayments so it will show as pending until it is cleared by your bank. Your account balance and available spend will only be updated once your repayment clears and it will move from ’pending’ status.

Keep calm! Your account will not be accessible without your security credentials but if you are worried it has been compromised and someone knows your password, please get in touch via our contact us page.

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Complaints, hardship, disputes and feedback

Please follow the instructions on the feedback page.

Once your account is placed under hardship you won’t be able to continue to make purchases. This is for your own financial security to prevent your account from falling further into hardship.

No, we won’t default or make any comments on your credit file if you are in a hardship arrangement with us.

If after four months of hardship you find that your situation hasn’t changed or hasn’t improved to a point where you’re able to continue repayments, your account will be reassessed and we’ll be happy to discuss additional options.

An important part of using hummpro is keeping your app up to date so you always have the best experience.

Get the latest version of our app here:

Apple
https://support.apple.com/en-

Android
https://support.google.com/googleplay/answer/113412?hl=en

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