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Use your bank account to pay your way

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PayTo is a new, secure payment option. With PayTo, you can pay directly from your bank account, with control at your fingertips

A new digital payment option

Pay directly from your bank account for recurring bills, subscriptions and memberships
From Your Bank Account Use PayID BSB Account Number Payment method Safe and Secure In-app Online Shopping Music Subscriptions

Manage securely in your banking app

See and manage PayTo agreements in your internet or mobile banking app
Paused App Subscription Paused Streaming Service Active Pay Later Paused Music Subscription MyBank Active NEW Energy Provider Manage bills and payments

You'll start to see PayTo as a digital payment option for all kinds of payments

Whether it's for your electricity bill, flight, TV subscription, or funding your digital wallet, choose PayTo and take the hassle out of payments
From Your Bank Account Payment Method Use PayTo for your phone bill, flights and music subscriptions Flight Mon, 09 July 10.00am Departing 12.00pm Arriving SYD MEL Flights Booked Payment successful

Your direct debits may move to PayTo so they will be easier to manage

PayTo is also a digital alternative to direct debit, giving you a new level of visibility and control
$200 Active New PayTo agreement received from energy provider 2 mins ago Your direct debit is moving to PayTo Energy Provider New Message Smart direct debit
Active $200 New PayTo agreement received from energy company Your direct debit is moving to PayTo Energy provider 2 mins ago New message Smart direct debit From Your Bank Account Payment Method Use PayTo for your phone bill, flights and music subscriptions Flight Mon, 09 July 10.00am Departing 12.00pm Arriving SYD MEL Flights booked Payment successful Food delivery app Cancelled Active Streaming service Active Pay later Paused Music subscription MyBank Active NEW Energy provider Control at your fingertips Account Number BSB Use PayID From your bank account Payment method Subscriptions Online shopping In-app Secured in your banking app

PayTo gives you more control over payments from your bank account

All PayTo agreements in one secure place See payments you’ve set up from your bank account in your internet or mobile banking app, so you’ll know when payments are due, and the amount that will be debited
Easy to set up Set up a PayTo agreement easily with your PayID (or BSB and account number), then approve the agreement in your internet or mobile banking app
Manage PayTo agreements PayTo gives you control over your payment agreements, you can view and manage them in your internet or mobile banking app
More choice over how you pay PayTo allows you to use your bank account directly for payments that previously needed a card. No need to remember card details and expiry dates
PayTo is brand new and will start rolling out from mid-2022. Your bank, building society or credit union will let you know once PayTo has been enabled on your account
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Use your bank account to pay your way

With PayTo, you can pay directly from your bank account, with control at your fingertips. Find out more in this short video

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Customer support

Your bank, building society or credit union will be able to answer most of your queries about PayTo. We have included a few frequently asked questions here

Help centre
About PayTo

PayTo is an easy way to authorise and control payments from your bank account. PayTo can be used in several ways. A couple of examples are; a digital alternative to direct debit, and allowing you to pay directly from your bank account where you previously needed a card (like for in-app purchases and online shopping). 

A business or merchant will set up a ‘PayTo agreement’ with you. This is where you authorise how much, and when, you will pay for goods or services. It could be for a one-off, ad-hoc, or recurring payment.  

The PayTo agreement will appear in your internet or mobile banking app for your authorisation. Once you have authorised the agreement, the business can debit your account according to the terms that you have agreed. 

PayTo is an easy, secure payment option giving you more control over payments from your bank account.

You can see your PayTo agreements in your internet or mobile banking app, so you’ll know when payments will be debited from your account. You can pause, cancel and make certain changes to agreements there too.

PayTo also allows you to use your bank account directly for payments that previously needed a card. So now you just need your PayID, or BSB and account number – no need to remember card details and expiry dates! 

PayTo will roll out progressively from mid-2022. As PayTo is brand new, it will take some time to become available for all retail banking customers, and for businesses and merchants to incorporate it as a payment option. You can expect to see it more as the rollout progresses. The industry expects that most customers will have PayTo enabled on their accounts by mid-2023. 

PayTo is an initiative of NPP Australia, the organisation that operates Australia’s real-time payments infrastructure, the New Payments Platform (NPP). PayTo is developed by NPP Australia in collaboration with banks, fintechs and payment services providers.  

NPP Australia is a wholly owned subsidiary of Australian Payments Plus, Australia’s domestic payment organisation that also includes BPAY Group and eftpos.

 

Among other uses, PayTo may be used as a digital and more modern alternative to the current direct debit system. Some merchants and businesses will move their direct debits to PayTo to give customers a better customer experience with more visibility and control over their payments.  

If you have a query about a PayTo agreement, you should first get in touch with the business or merchant. If they are not able to resolve your query, please get in touch with your bank, building society or credit union.