Skip to content Skip to footer

Send &


The New Products Platform (NPP) is a world-class payments solution giving consumers, businesses, and governments a way to make fast, versatile, and data-rich payments. The platform facilitates real-time payments between bank accounts paired with value-add messaging. Simply, it is a secure set of pathways, that allow the facilitation of faster, more convenient banking, for businesses & their customers.

ASL are a founding member of the NPP and have full participant capability. This gives us incredible power and complete visibility to see transaction flows from end to end –  ensuring all payments go in and reach their desired destination as intended. Our Financial Crime Management solution can also give you payments peace-of-mind and we can get you PayTo ready. Click here to explore PayTo.

ASL has Direct Connectivity into the NPP, combined with exclusive technology, extensive payments expertise, and a personal touch –  allowing you to provide your customers, the fastest and most secure real-time payment solution available in Australia today.

Key Features

  • NPP Operates 24/7, 365 days per year
  • Money moves in real-time
  • Improved transaction information with increased 280 character limit
  • Offer Phone Numbers, email addresses and other ways to pay with PayID
  • Send and receive payments at speed using OSKO
  • Access PayTo, a modern, digital form of Direct Debit

Benefits For You

  1. Quick Settlement – Offer immediate, real-time settlements of transactions by businesses and consumers.
  2. Faster Flows – Support payments flowing 24/7, 365 days for improved Customer Experience.
  3. Time Saving – Customers can reconcile quickly with improved information with each payment.
  4. Direct Connection – Utilise ASL’s Direct Connectivity into the NPP for value-for-money payment solutions.
  5. Flexible Options – Access Single Credit Transfer, Categorised Credit Transfer, IFTI and PayTo.
  6. Bank-Grade Security – ASL is a fully regulated, APRA compliant, authorised deposit taking institution offering the highest level of security.

Pay Fast & Securely With PayTo

PayTo is an easy and simple way for both business, your customers, and all consumers, to manage payments from banks accounts – all within the security of existing online or mobile payment platforms.

Is PayTo For You?

ASL are a secure, trusted, and compliant partner for all your PayTo solutions, via the NPP.

There are so many reasons to use PayTo. It is a real-time payments service, offering reliable transfer of payments, and includes increased transaction information for easier reconciliation – dramatically reducing, manual handling.

ASL’s NPP-PayTo Solution supports a range of organisations from Start-ups, Fintech’s, Financial Institutions, Payment Service Providers – all the way through to large Enterprise.

If there are bills to pay, subscriptions to manage or online shopping involved – then PayTo is the solution to offer your customers.

Benefits Of PayTo

Convenience: Needing to remember BSB’s, account numbers or credit card details will be a thing of the past – users can simply use PayID’s for convenient and fast payments
Control: Users can authorise, view, and manage payments from their business or personal bank accounts, all in one place
Visibility: Using PayTo, your customers can view precisely when payments are due, to ensure enough money is in their account(s) to avoid missed payment fees
Security: PayTo agreements can be securely managed via banking apps or online banking platforms
Flexibility: Consumers using PayTo, can easily pause, stop, or move PayTo agreements, across any eligible accounts

ASL supports a range of organisations connect to the New Payments Platform and subsequent access to PayTo functionality:

 Financial Institutions

 High Volume and Scaling Businesses

 Payment Service Providers,

 Payment Platforms

 Other Payment Facilitators

Keeping Business Moving

As a new, digital way for merchants and businesses to initiate real-time payments from their customers’ bank accounts, PayTo helps build:

  • Confidence – PayTo helps business thrive in a digital economy with fast, reliable, and secure payments that keep money moving 24/7.
  • Customer Satisfaction – Build a better relationship with your customers when you give them a better way to pay.
  • Efficiency – PayTo is a modern, digital, and more efficient alternative to existing direct debit payment solutions

Market Leading Functionality & Visibility

ASL is more than just an NPP connected institution. ASL is one of only a handful of authorised ADI’s with full participant capability.

This gives us the power and complete visibility to see all PayTo transaction flows from end-to-end. This ensures payments, whether for your business or your customers – reach their desired destination as intended.

ASL offers businesses the entire suite of features and functionality of PayTo via the powerful NPP platform as follows:

  • Mandate Creation – PayTo mandate Creation, Authorisation and Management.
  • Initiation – Payment Initiation request orchestration and validation against the PayTo Mandate Management Service.
    Clearing and Settlement
  • Real-Time – clearing and settlement of PayTo payments for real-time funds availability.
    Management and resolution with PayID
  • Issuance – PayID issuance and management.
  • PayID Look-Up – PayID look-up and resolution for PayTo mandate creation and Payment Initiation Requests.
    Supporting You with back-office support
  • Easy Access – Access to all the flows and options for NPP messaging and services for PayTo, avoiding duplication of NPPA and Participant costs to deliver a more cost-effective service.
  • Streamlined Operations – Self-service dispute resolution and investigation capabilities and workflows providing streamlined operational processes and compliant audit trails.
  • Compliance – Managed PayTo compliance, reducing compliance costs and operational risk.

PayTo For Payer Customers

Allow your customers to pay their way.

PayTo offers your customers greater visibility, control, and security with their payments.

Improve your customer experience and enhance your digital banking channels by offering PayTo to your customers – it’s just another way to keep them engaged, happy and loyal.

Securing Your Payments

  • Minimise Fraud – PayTo can help reduce payment fraud with real-time account validation and mandate authentication by customers via secure banking channels.
  • Greater Control – Allow your customers to easily pause, change or cancel PayTo mandates, via secure banking channels, delivering greater control over payments made from their account(s).
  • Increased Visibility – With greater visibility, consumers can view details of PayTo mandates linked to their accounts via secure banking channels, with real-time notifications and alerts at key stages of the payment process and confirmation of payment success.
  • Sophisticated Processing – Real-time processing and settlement with confirmation of payment outcomes 24 hours a day, 7 days a week – every day of the year, helping to improve customer visibility and management of available funds.
  • Reduce Misdirected Payments – The simple addressing of customer payments using PayID reduces instances of misdirected payments and exception processing, helping to improve your CX.

Easy Access

ASL makes accessing PayTo Quick, Easy and Streamlined. We can get you to market sooner – so you can continually improve your customer experience.

ASL connects start-ups,  financial institutions, high-growth businesses, payment service providers, platforms and payment facilitators to PayTo as Payment Initiators and Payer banks.

We can connect other types of organisations to PayTo as an ‘initiating business’, under a commercial arrangement with a payment initiator, that has been on-boarded through ASL.

Contact ASL to inquire about connecting to PayTo as a Payment Initiator, or Payer bank under an enterprise service arrangement.

Simple Integration

With ASL’s market leading  ‘ASAPP’ API platform, your organisation can easily connect to PayTo services, through one, simple, secure cloud-based integration – and we support you through the whole process, allowing your business to get to market sooner using PayTo.

Learn more about PayTo on the official NPPA page here.

The ASL Advantage

  • ASL has a proud 30+ year settlement history.
  • ASL is a founding member with Direct Connection into the New Payments Platform (NPP) and COIN networks.
  • ASL was one of the first organisations to process live transactions on the New Payments Platform.
  • ASL has invested substantially to enhance our New Payments Platform environment.
  • ASL is a member and active participant of SWIFT, AusPayNet, eftpos, BPAY and Visa.
  • ASL has ‘ASAPP’, our easy, flexible API platform.
  • ASL is an authorised ADI, under the supervision of APRA, and compliant with all required APRA Prudential Standards.
For more information on ASL's REAL-TIME NPP SolutionS or PayTO
Go to Top