Pay In Time Finance
Version history

What has changed

The newest website version is 1.16. The public site currently runs version 1.16.

  1. Version 1.16On the public site

    Friendlier missing-page screen

    • If a link is old or mistyped, the "page not found" screen now offers quick links to Services, How it works, Apply / Enquire and Contact instead of a single button.
  2. Version 1.15

    Accounts and a new photo gallery

    • You can now create a free account and log in. Log in with a passkey (Face ID, fingerprint, a PIN or your phone) or with your email and password.
    • My account shows where you are logged in, lets you log out of any device or all other devices, change your password, add or remove passkeys, and delete your account.
    • Strong protection: passwords are stored scrambled and checked against known data breaches, repeated wrong guesses lock the account for 15 minutes, and sign-in cookies cannot be read by scripts or sent from other websites.
    • A new sideways photo gallery on the home page shows the industries we work with, with arrow buttons on computers and swiping on phones.
    • The log-in page has a large photo panel with a slowly moving picture (it stays still for visitors who prefer less motion).
    • The privacy policy now explains what an account stores and the two cookies used for logging in.
  3. Version 1.14

    Common questions

    • The How It Works page now answers common questions (countries, what we finance, what an enquiry means, approval, how you hear back, your details) in tidy fold-out panels. Printing the page includes every answer.
    • The stylesheet is sent in a smaller, compressed form, so pages start a little faster.
  4. Version 1.13

    Founder award

    • Our Founder page now shows Robbie McKenzie's 2025 FLUXX Award (Sustainability Leader of the Year, Hong Kong), with the award photo and his certificate.
  5. Version 1.12

    Bolder look and stronger security

    • Bigger, bolder headlines, with an orange underline that draws itself under "paid in time."
    • A moving orange band on the home page shows the industries we work with (it stands still for visitors who prefer less motion).
    • New "Why Pay In Time" section on the home page: five countries, every industry, real people, private details.
    • Service cards light up with an orange bar on hover, page headings get an orange accent, and a thin orange line under the menu shows how far down the page you are.
    • A bigger closing "Ready to talk" banner.
    • Stronger security: the server now refuses unusual requests (wrong method, very long addresses, known hacking probes), cleans and checks every form field more strictly, and checks that spam-protection tokens were made on this site and for the same form.
    • Staff page sign-in checks are stricter, and spreadsheet downloads are protected against more kinds of formula tricks.
    • More browser security settings on every page, and search engines are told not to list the form and staff addresses.
    • Fixed a phone-number check that some new browsers reported as an error.
    • The privacy policy now says we count page visits with Cloudflare Web Analytics (no cookies, no cross-site tracking), which Cloudflare runs on our domain, and the security policy allows it so pages show no errors.
  6. Version 1.11

    Easier loan form and faster page changes

    • Loan application: after you pick your country, the income and loan amount labels show your currency (for example AUD or NZD).
    • Large amounts are grouped automatically for easier reading (250000 becomes 250,000).
    • Long text boxes show how many characters you have left.
    • Pages you are about to open (when you hover over or press a link) start loading early in supporting browsers, so moving around the site feels quicker.
  7. Version 1.10

    Security headers, sharing previews and phone timeline

    • Form answers from the server now carry the same security protections as the pages (no sniffing, no framing, no referrer).
    • Two extra security headers on every page limit which other sites can load our files.
    • Links shared on social media and chat apps now show the preview image at the right size, with a text description for screen readers.
    • Search engines get a simple breadcrumb (Home > page) for every page.
    • On phones, the four application steps now show as a vertical timeline.
  8. Version 1.9

    Small fixes and phone icons

    • Printing the Home or Services page no longer leaves blank gaps where the fade-in cards had not appeared yet.
    • Adding the site to a phone home screen now shows the Pay In Time clock icon (iPhone and Android), and older browsers get a matching tab icon.
    • Footer: the logo and name are spaced properly again, and the REALM Group Global link sits neatly in its sentence.
    • Every update now checks itself before it goes live: the automatic form tests must pass and every link and image on every page must work, otherwise the update is stopped and the current site stays online.
  9. Version 1.8

    Photos and motion

    • Photos on every service, a full-width harvest photo on the home page, and photo headers on About, Services, How It Works, Contact and Partners.
    • Gentle animation: headings and cards fade in as you scroll, the hero text slides in, the clock glows softly and the four steps draw their line. It switches off for visitors who prefer less motion.
    • The Services page shows a photo beside each service, alternating sides on computers and stacked on phones.
    • On phones the headline now comes first, with a smaller clock below it.
    • New Photo Credits page (all photos are free public-domain images, not our customers).
    • The Apply / Enquire button in the header is easier to read.
    • Contact page and footer now show the office phone (0419 182 804), postal address (PO Box 208, Warragul VIC 3820), company name and ABN.
  10. Version 1.7

    Security monitoring

    • If a browser ever blocks something on the site because of our security policy, it now reports it to us so broken pages are caught early. Reports hold no personal details and are not stored.
  11. Version 1.6

    Staff tools

    • Staff page: each application or enquiry opens on its own page, ready to print or save as a PDF.
  12. Version 1.5

    Company pages

    • New Terms & Conditions page (REALM Group terms, version 1, marked as a draft until the updated version arrives).
    • New Partners page about the REALM Affiliate Program.
    • New Our Founder page about Robbie McKenzie (award details still to come).
    • New Version History page (this page), linked from the footer.
    • Cards on dark backgrounds are easier to read.
  13. Version 1.4

    Forms and security polish

    • All three forms tested end to end with a test database.
    • Error messages now use plain words, for example "Please fill in the loan type."
    • The "Enquire about ..." links on the Services page fill in the enquiry form for you.
    • Stricter security policy for the pages, plus automated tests for the form handlers.
    • Pages print cleanly (privacy policy, loan application, services).
  14. Version 1.3

    Accessibility and speed

    • Every page scores 100 for accessibility and SEO in Google Lighthouse (tested before publishing).
    • Better colour contrast for small labels and correct heading order for screen readers.
    • Visitors always get the newest design after an update.
    • Optional visitor statistics (Cloudflare Web Analytics, no cookies), switched off until approved.
  15. Version 1.2

    Spam protection and staff tools

    • Fonts are served from the site itself, so pages load faster and more privately.
    • Spam protection for all forms (Cloudflare Turnstile), ready to switch on.
    • Private staff page to read applications and enquiries, with a spreadsheet download.
    • Limit on repeated form submissions, and a new "Service providers and cookies" section in the privacy policy.
  16. Version 1.1

    First public version

    • The site went live on Cloudflare.
  17. Version 1.0

    New website built

    • Rebuilt the Wix draft as a fast website: Home, About, Services, How It Works, Apply / Enquire, Loan Application, Contact and Privacy.
    • REALM look and feel, with copy covering Australia, the United States, Canada, New Zealand and Fiji.
    • Enquiry, loan application and launch-list forms with checks on the server.
    • Security headers, sitemap and share previews for social media.