How to use POLi without registering

1. Key feature of POLi

POLi differed from most payment services in that it did not require the creation of a separate account. The user did not need to remember logins, passwords and undergo additional verification: all operations were performed directly through Internet banking.

2. How the payment process went without registration

1. Select POLi method. The user on the site or in the application selected POLi in the list of payment options.
2. Specify the amount. The system only requested the transfer amount.
3. Bank selection. POLi provided a list of supported banks.
4. Internet banking login. Authorization passed through the official page of the bank in a secure connection.
5. Transaction confirmation. The bank wrote off funds, and POLi transmitted confirmation to the merchant site.

Bottom line: the user did not have a separate "POLi wallet" or personal account - everything was built on the bank's infrastructure.

3. Benefits of not registering

Speed. The user immediately switched to payment, without creating an account.
Simplicity. No need to store new logins or passwords.
Security. Data was entered only on the bank side, and not in a third-party service.
Minimum unnecessary actions. The stages of "email confirmation," "card binding," etc. were completely excluded.

4. Approach limitations

Inability to accumulate balance. POLi was not a wallet - it was a bridge between the bank and the site, so it was impossible to "store money" in the system.
Dependence on the bank. If the bank did not support POLi, payment was impossible.
Disposability. Each operation was carried out separately: it was impossible to "save" the profile in POLi.

5. Current service status

Australia. As of September 30, 2023, POLi has closed and is no longer in use. For local players, the question "how to pay without registration" has lost its relevance.
New Zealand. POLi continues to operate and is still available there without registration.

6. Alternatives for Australians

After POLi left, users switched to other instant transfer methods, which also do not require a separate account:

• PayID / Osko. Transfers through the New Payments Platform system; registration in a third-party service is not required.
• Apple Pay / Google Pay. Integrated into the smartphone, binding occurs once through the bank.
• Direct transfers via online banking. Available immediately after logging in to the bank.

7. Result

Lack of registration was the main advantage of POLi: the user immediately switched to payment through his bank, without creating a new profile. This approach provided simplicity, security, and instant enrollment. Today in Australia, POLi is closed, but its concept of "fast payment without registration" continues to live in modern alternatives like PayID and digital wallets.