An easier way to manage payments from your bank account!

PayTo is a new, efficient alternative to direct debit which allows you to pre-authorise one-off or recurring real-time payments from your bank account.

 

 

Whether you’re setting up recurring bills, memberships or subscriptions, paying one-off bills, or shopping online, PayTo gives you the power to securely authorise and manage these payments from your bank account.

Developed by New Payments Platform Australia (NPPA), a wholly owned subsidiary of Australian Payments Plus, Australia’s domestic payment organisation that also includes BPAY® Group and eftpos.

 

 

 

 

 

Visibility

View payment details you set up from your bank account, like payee name, due date, and amount.

Simplicity

Set up a payment agreement with your PayID or BSB & account number.

Security

All new PayTo Agreements need to be authorised by you in Online Banking before a business can take a payment.

Flexibility

Move your payment agreements between eligible accounts. Authorise, pause, resume, or cancel your payment agreements at any time*.



Easily keep track of recurring bills and ongoing payments like subscriptions and memberships.




Make payments directly from your eligible account knowing your payment details will only be stored in a secure independent system.


























 


How it works




Receive and Authorise your PayTo Agreement


Using your PayID or account number and BSB, the payee sends you an authorisation request for a new bill, subscription or online purchase. You can then authorise or decline the PayTo Agreement and any future updates.


Pause, resume or cancel your payments


PayTo lets you pause, resume or cancel payments at any time within your Online Banking Session*.


All your PayTo Agreements, all in one place


View and manage all of the PayTo Agreements linked to your bank account, move your payment agreements between eligible accounts, together in one secure place.








 






Checking your PayTo Agreement


It’s important to read the PayTo Agreement carefully, so that you know what you’re agreeing to when you receive an authorisation request. Once you’ve authorised the agreement, the business or merchant can debit your account according to the terms that you’ve agreed.


Before you authorise a PayTo Agreement, you should check:


Amount: Check the amount specified in the agreement. If an amount hasn’t been specified and you approve the request, you’re authorising any amount to be debited from your account.


Frequency: Check how often the amount will be taken from your account (one-off/weekly/monthly/annually). If the frequency of the payment is ‘adhoc’ and you approve the request, you’re authorising that money can be debited from your account at any time after your authorisation is recorded.


If you receive a request for a PayTo Agreement that you’re not satisfied with, please reach out to your merchant to make amendments prior to authorising the agreement. The terms of the PayTo Agreement that you authorised may influence your ability to raise a dispute if you have an issue with the goods or services related to your agreement.




 


 


 


 




FAQs




Eligible accounts for the PayTo service include the following,


    

  • Everyday Access
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  • Pensioner Savings
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  • Bonus Saver
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  • Child Bonus Saver
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  • Community Access
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  • My Community Saver
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  • iSaver, Max Saver
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  • Offset Account
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  • Equity Access Facility
    • 





PayTo Agreements can be created using a PayID (email or phone number) linked to your bank account or by using your BSB and account number.






Payments enabled and eligible for PayTo Agreements include:


    

  • One-off, ad-hoc or recurring payments, and
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  • Australian domestic payments
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BPay and International payments are currently not supported.






No. While PayTo streamlines the current direct debit system for businesses and allows customers more control over their payments, there is no requirement to switch to PayTo.


PayTo is a new and more modern alternative for digital and direct payments and allows for a range of different recurring payment types including fixed and variable amounts and changes in payment frequency.


Migration of Direct Debits can be initiated by third party providers once they uptake the PayTo Service. This will then appear in the Online Banking session where ‘resuming’ the agreement will be required. The existing T&Cs will apply. 




Changes to new agreements, already authorised and active agreements, will need to be coordinated between the member and merchant/ supplier which issued the agreement. An amendment request will be issued to the member and require to be authorised. The merchant/ supplier may cancel the existing PayTo Agreement and issue a new agreement for authorisation.


Members and/or Dnister will have the ability to make changes to the ‘from’ account which is used for debiting.




PayTo is subject to the same levels of security as other digital payments and transfers made from members bank accounts.  PayTo payments can only be taken from the members nominated account if a PayTo Agreement has been authorised. The account won’t be debited until the member gives the OK.




Members will need to authorise any changes to the PayTo Agreement initiated by the business or merchant.


If the changes to the PayTo Agreement aren’t authorised, the PayTo Agreement will expire and no further action can be taken.






 










Want to learn more? Download our quick start guide to getting to know PayTo and a ‘how to’ guide of most used features.


PayTo Terms and Conditions


PayTo feature instructions


Welcome to PayTo




General Advice Warning: In providing you with this information, you should consider the appropriateness of this product or service with regard to your particular financial situation and needs. We advise that you carefully read our Product Disclosure Statement and associated Disclosure Documents before acquiring a product.