Visibility and control over your payments

PayTo® is a digital payment solution that enables real-time payments directly from your bank account.

It’s set to modernise payments in Australia, giving consumers more visibility and control over their money, and helping businesses keep moving.

More visibility 

Now you can see your PayTo agreements - like your gym membership and energy bills - in one place.

Control at your fingertips

Authorise first before a business can take any money out of your account, and you can view and pause your PayTo agreement at any time.

Keep your data private

With PayTo, businesses can only see your PayID® (mobile number or email address) when you pay. This means your account details and personal information stay completely private.

A secure ​way to pay​

A secure way to pay. Payments are protected as they’re approved within your online banking, a secure environment that reduces the risk of fraudulent transactions.

Soon, many direct debits will switch to PayTo

From now on, many direct debits will be upgrading to PayTo agreements, which can be seen and managed in your online banking. It is currently available within the online banking of over 50 banks, financial institutions and credit unions, with more to come.

Latest PayTo

There are two Account to Account (A2A) systems in Australia - the Bulk Electronic Clearing System (BECS) and New Payments (read more)
1 September 2023
Australia’s domestic payments provider, Australian Payments Plus (AP+) has embarked on a campaign to lift public awareness of its PayTo (read more)
22 June 2023
Australia’s first payment service providers have commenced offering PayTo to their merchant and business customers, as the financial services sector (read more)
30 June 2022
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AP+ acknowledges the Gadigal People of the Eora nation as the Traditional Custodians of the lands on which we are based and pays our respects to Elders past, present and emerging. We recognise all Aboriginal and Torres Strait islander peoples ongoing connection to the lands and waters of Australia and thank them for protecting and for their pivotal role in the creation of this beautiful place. Always was and always will be Aboriginal Land.

View our Reconciliation Action Plan

©2023 Australian Payments Plus. ABN: 19 649 744 203  All rights reserved

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