PayTo

A modern payment solution

What is PayTo?

PayTo^® is a fast, easy, and secure way to make pre-authorised payments directly from your bank account, such as your gym membership or a one-off payment for carpet cleaning.

You can view your PayTo agreements in your Internet Banking, plus you can also pause, cancel and alter payments.

Payments are sent via the NPP payment channel, so are received in near real time

How does PayTo work?

PayTo allows you to authorise a 'PayTo agreement' with a merchant or business. You agree to how much will be paid, when it will be paid, and whether it will be recurring or an adhoc one-off payment.

To set up an a PayTo agreement, you will need to provide the business or merchant your PayID^® or BSB and account number.

You can view, approve and decline pending PayTo agreements within your Internet Banking. Once authorised, the merchant or business will debit your account per the agreement terms.

Get started with PayTo

Step 1

A PayTo enabled vendor will request your PayID or BSB and account number.

Step 2

The vendor will create a PayTo Agreement which will appear in your Internet Banking.

Step 3

The PayTo Agreement is reviewed within Internet Banking. Once reviewed, you select approve or decline.

Step 4

The approved payment will be debited at the agreed time and frequency.

Step 5

Ongoing maintenance of PayTo agreements can be completed within Internet Banking.

Frequently Asked Questions

PayTo® agreements can be created using a PayID® or by using your BSB and account number.
No. While PayTo® streamlines the current direct debit system for businesses, and gives customers more control over their payments, there is no requirement to switch to PayTo®.
PayTo® is a modern alternative for digital and direct debit payments. It allows for different recurring payment types including fixed and variable amounts and changes in payment frequency.
Some businesses or direct debit providers may charge a fee to use PayTo®. This is at the discretion of each business, so we recommend checking before you authorise a PayTo® agreement.
PayTo® has the same security as other digital payments and transfers made from your bank account. PayTo® payments can only be taken from your account if a PayTo® agreement is authorised. Your account won't be debited until you give the ok.
Payment agreement are between you and a business to allow you to make regular payments to the business for services or goods. Payment agreements can be set up with businesses who offer PayTo®.
PayTo® is an alternative to direct debits. Here's what it can do:
- It lets billers set up agreements with payees.
- It helps the payee manage bills and expenses.
- It gives the biller more security by providing fast account verification and real-time payments.
- It lets the payee pause, cancel or make changes to the pay agreement they have with the biller.
PayTo payments are included in your daily payment limit. To view your payment limits, go to the 'Manage' section for your account and choose, 'View payment limits'.
PayTo® is an initiative of https://nppa.com.au the organisation that runs Australia's real-time payments platform.

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The fine print

PayTo is a registered trademark of NPP Australia Limited. This is general information and is not intended as financial or professional advice. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product or other professional advice. You should seek your own independent financial, legal and taxation advice before making any decision about any action in relation to the material on this webpage.

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