Paymate are cowboys.
I bought an item on ebay, paid for it at checkout, Paymate took the money from my credit card immediately but then didn't pay the seller for several days.
My delivery now falls into the next period and I won't get the stuff for an EXTRA several weeks.
These people are incompetent: they do not deserve to hold a financial services licence.
I urge everyone who has problems with them to lodge a complaint with APRA