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An easy way to pre‑authorise payments from bank accounts

PayTo is set to modernise the way bank accounts are used for payments and will help businesses and consumers thrive in the digital economy

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Secure payments that keep money moving 24/7
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Find PayTo in your banking app
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introducing payto

PayTo is a service offered by banks, financial institutions and payment service providers in Australia. It has been developed by NPP Australia in collaboration with the industry

Payments that keep business moving

More for business
account validation

Remove the uncertainty of receiving payments from bank accounts with real-time account validation.


Notifications when a PayTo agreement is paused, changed or cancelled will help you maintain customer relationships.


PayTo agreements contain more information to support easy matching and reconciliation.

reduce disputes

Real-time account validation and funds availability check helps reduce errors and exception processing to ensure business can run that little bit smoother.

Contact your bank, financial institution or payment service provider to find out how your business can access PayTo.

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Use your bank account to pay your way

More for consumers

PayTo is an easy way to authorise and control payments from your bank account.


PayTo agreements must first be authorised in your internet or mobile banking app, by you, before any payments go out.

set up

View and manage your PayTo agreements in your internet or mobile banking app.


Use your PayID to easily set up a payment to a business or merchant. You can also use your BSB and account number.

PayTo is brand new. Your bank, building society or credit union will let you know once it is available on your account.

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Use cases