Help & support
PayTo® is a digital way for businesses to collect payments from a customer’s bank account. It gives businesses a modern account-to-account payment option that can support recurring billing, variable payment amounts and new checkout experiences, while giving customers more visibility and control over how they pay.
Businesses using older account-to-account collection methods often face payment delays, limited visibility, manual processes and poor customer control. PayTo® helps address these challenges by combining near real-time payment capability, digital payment agreements and customer-managed controls in one experience. It is particularly relevant where payment certainty, recurring collections and trust matter most.
Greater payment certainty
Know when a payment agreement has been approved before initiating transactions, reducing delays.
Improved customer control and trust
Customers authorise and manage payments through their own banking channel, increasing transparency and confidence.
Faster payment processing
Reduce delays associated with traditional direct debit and batch processing.
Reduced operational effort
Automate agreement management, updates and reconciliation through API integration and expanded data fields.
Recurring payments
Subscriptions, memberships and insurance premiums.
Variable billing
Usage-based services like utilities or telcos.
One-off payments
Secure account-to-account payments initiated by customers.
Digital checkout experiences
Offer PayTo® as an alternative to cards for account-to-account payments.
Connect payment capabilities into your systems with APIs.
Get started quickly with a ready-to-use platform.
PayTo® can be embedded into your digital channels and internal systems using APIs, allowing you to create payment experiences that are more seamless for customers and easier to manage for your business.
Offer PayTo® within your checkout flow, enabling customers to authorise payments during the purchase journey – something not typically possible with traditional direct debit.
You can:
PayTo can be integrated across:
PayTo® is a digital, account‑to‑account payment solution that lets businesses collect payments directly from a customer’s bank account using customer‑authorised payment agreements. It supports recurring, variable and one‑off payments.
A business creates a payment agreement, which the customer authorises in their own banking channel. Payments are then initiated based on the agreed terms, with near real‑time visibility of agreement status and payment outcomes.
PayTo® offers near real‑time agreement authorisation, clearer visibility and customer‑managed controls through banking apps. This can help reduce delays, manual processes and uncertainty often associated with traditional direct debit.
PayTo® supports:
Businesses can use APIs to create and manage payment agreements, embed PayTo® into checkout flows, and receive near real‑time updates that integrate with ERP, billing, CRM and digital platforms.
This information has been prepared without taking into account your individual or business needs and objectives. View information about CommBiz and the full Terms and Conditions (including fees and charges). Our APIs are subject to the Bank’s terms and conditions (including fees and charges) and eligibility criteria. View our Financial Services Guide (PDF). You should consider this information before making any decision about these products and services.
PayID® and PayTo® are registered trademarks of NPP Australia Limited.
