A digital payment solution
PayTo can be used for in-app and e-commerce transactions, including one-off, ad-hoc or 'account on file' payments
![digital payment](https://payto.com.au/wp-content/uploads/2022/05/digital-payment-260x230.png)
A new digital payment option
PayTo can be used for purchases that previously needed a card
With PayTo, consumers will have the ability to use their bank account as a payment method for online purchases, fund digital wallets and make buy now pay later payments
![](https://payto.com.au/wp-content/themes/payto/img/device--mobile.png)
![Untitled design (3)](https://payto.com.au/wp-content/uploads/2022/06/Untitled-design-3-590x695.png)
Payments directly from a bank account
In-app and ecommerce
Fast and secure payments
PayTo can be supported by APIs, with payments processed in real-time
With real-time funds availability check and notification of payment outcomes, have confidence that funds have been received before goods are sent or services provided
![](https://payto.com.au/wp-content/themes/payto/img/device--tablet-file-590x695.png)
![19](https://payto.com.au/wp-content/uploads/2022/05/19-590x695.jpg)
Payments processed in real-time
Always on, 24/7/365
Easy matching and reconciliation
Data-rich PayTo agreements
PayTo agreements contain information and data that you won’t get with a card transaction, supporting easy matching and reconciliation
![](https://payto.com.au/wp-content/themes/payto/img/device--desktop.png)
![3](https://payto.com.au/wp-content/uploads/2022/05/3-590x695.jpg)
More data in a PayTo agreement
Easy matching and reconciliation
![A digital payment solution](https://payto.com.au/wp-content/uploads/2022/05/A-digital-payment-solution.jpg)