Smart Payment Agreements and PayTo

PayTo and Paypa Plane together
PayTo & Smart Payment Agreements work in perfect harmony

PayTo Hot Tip

Transform your payments with PayTo

PayTo is ready for your business now, so get ahead of competitors and take the first step into the payments revolution backed by the security of Paypa Plane’s leading payment agreements. 


Collect payments in real time, any time, on time with PayTo, Australia’s new real-time, direct debit upgrade.

PayTo is in our DNA 🧬

Businesses of all shapes and sizes

Fact

PayTo is built for your business

Built to save time, money and improve cashflow, PayTo will change the way your business collects payments.

It solves the problems caused by traditional direct-debit payments– no more uncertainty, delayed payments, late dishonours, delayed settlements, or after-hours payment stoppages.

PayTo is powerful

Benefits for your business:

  • Improve your cashflow with instant settlements. No more waiting for access to cash;
  • Save time with real-time account validation, you know the account belongs to your customer;
  • Instant payment confirmation: you’ll know straight away if a payment is successful;
  • Better payments data: easily track and reconcile transactions.

Payments are better your way

Whether it’s a recurring or one-off payment, PayTo is flexible and able to suit any payment arrangement your business needs. 
PayTo solves the problems caused by traditional direct-debit payments.

Frequently asked

PayTo questions

🤔 How does PayTo work?

PayTo is a modern digital payment solution offering a fast, easy and secure way for your customers to pay.

  • Businesses create a PayTo agreement to send to their customer and send authorised payment initiation requests to the payer customer’s financial institution.
  • Your customer received a notification within their banking app to accept the PayTo agreement.
  • You get paid in real time.

Utilising PayTo equips businesses with the advantage of real-time account verification, assurance of funds availability, streamlined reconciliation processes, and immediate updates on transaction statuses.

This service is bolstered by the infrastructure of Australia's New Payments Platform (NPP), ensuring a reliable and efficient payment experience.

How does PayTo reduce fraud chargebacks?

Because your customers have to approve the PayTo payment within their banking application, there is a clear reduction in friendly fraud chargeback processes.

Your customers also have the added security of initiating these payments within their banking app.

How long do PayTo payments take to process?

PayTo payments are real time payments. They are processed 24/7/365 even on public holidays.

Is PayTo different to PayID

PayID enables users to associate memorable identifiers like their phone number or email address with their bank accounts, making transactions simpler and more intuitive.

PayID transactions are 'push' payments, where the payer takes the action to send money. On the other hand, PayTo operates on a 'pull' basis, similar to direct debits, where the payment is initiated by the recipient, allowing them to collect funds directly from the payer's bank account. Both PayTo and PayID were created by the New Payments Platform Australia (NPPA).

How will PayTo improve my customers experience?

PayTo gives control to customers, they have better visibility over their PayTo agreements, improved control (authorisation and ability to pause) and improved security.

How long will it take Paypa Plane to implement PayTo for my business?

Paypa Plane can quickly implement PayTo technology for your business. We will work closely with your engineering team to understand what additional support for implementation may be required. With an initial conversation, we will be able to clearly define a plan to enable your business with PayTo capabilities.