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Send & Receive Payments In Real-Time

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.

Real Time Payments

Real-time payments that never sleep. PayTo processes transactions instantly, 24/7, with instant confirmation - supercharging your cash flow and business efficiency.

Reduced Fraud

Secure, bank-verified authorisation at your fingertips. Customers approve PayTo agreements directly through their banking app, giving you iron-clad confirmation of their consent.

Reduced Processing

PayTo validates accounts instantly, guaranteeing accuracy right from the start. Stay informed as agreements evolve - you'll know immediately if they're paused, modified, or terminated.

How PayTo Works for Business

Minimise collection issues with automated, verified available funds before each transaction.

A fully digital experience reduces back-office workload and simplifies reconciliation.

Superior customer experience with quick, seamless, in-app payments.

How PayTo Works for Customers

Make direct payments from a bank account for both purchases and bills.

Set up agreements with PayID or standard BSB and account numbers. Complete control to initiate, pause, or cancel agreements as desired.

Easily manage agreements across accounts and banks for greater flexibility.
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