Request to Pay (R2P)
Send a customer an itemised Request to Pay. They review it, approve, and settle in one step, with the money moving straight from their bank to yours in real time. An invoice is paid the moment it is approved.
Who we are
We're building the way Australian business gets paid.
FUNDiMO is an Australian fintech startup. We build real-time, account-to-account payment products for business, settled directly between banks over the PayTo network.
Live in Australia, publicly available today
Mission and vision
Mission
To give every small business the treasury the big ones have.
Vision
Cash flow that runs itself.
Our products
Two ways to take a real-time payment, for the two ways businesses sell.
Scan to Pay (S2P)
At the counter, the customer scans a QR code and pays instantly over PayTo. No card terminal, no swipe fees, and the funds settle to your account in real time.
Supporting services that power both products
Catalog
Describe what you sell and FUNDiMO builds structured product and service listings, ready to invoice with R2P or sell in person with S2P. AI-assisted, so setup takes minutes.
Discounts
Run campaigns that apply automatically to R2P and S2P purchases at checkout. No codes to type, no vouchers to clip.
Our journey
- Mar 2025 Founder started building
- 07 Jul 2025 Company registered as Voco Connect
- 02 Dec 2025 Renamed to FUNDiMO
- 24 Mar 2026 Payments provider contracts signed
- 07 May 2026 Certified with our payments provider
- 11 Jun 2026 Live with R2P and S2P
- The future New products in compliance evaluation
See it in action
Real screens from the live product.
The team behind FUNDiMO
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Thomas Fogwell
Founder & CEO
Thomas founded FUNDiMO and leads it as CEO. He is a payments technologist with an M.Sc. in Computer Science and more than 15 years building payment systems, including over a decade at Stanchion Payment Solutions as a solutions architect and product manager, delivering bank payment integrations across South Africa, the Middle East, and Australia, with earlier software-engineering roles at ACI Worldwide and S1 Corporation. He has launched a B2B card payments product, advises fintech startups as a fractional CTO, and is a published computer-science researcher.
- M.Sc. Computer Science
- 15+ years in payments
- Ex-Stanchion · ACI Worldwide
- Fractional CTO
- Published researcher
Talk to us
Tell us how you get paid today.
A conversation is worth more to us than a signup right now. Tell us what you invoice for, who pays you and what waiting costs you, and we will come back to you with whether FUNDiMO fits.
Or email hello@fundimo.com.au.