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Ezypay allows you to manage recurring payments across multiple sites, multiple currencies and multiple payment methods.

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What is PayTo?


PayTo is the latest innovation in payments in Australia, revolutionising direct-debit payments and the way that businesses collect money from their customers. PayTo payments happen in real time, with near instant verification of funds in the customer account. 



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Real-time bank-to-bank payments

PayTo is speeding up bank-to-bank payments for businesses. Traditional direct debit suffers from a 3 day response time. PayTo processes payments in real-time, with funds verified instantly.


Enhanced customer validation

PayTo is reducing payments related risk through the addition of customer payment mandates. Customers must accept PayTo Agreements in their banking-app before billing can commence.

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Improved customer self service

Customers can manage their PayTo Agreements from within their banking app. Moving PayTo agreements between bank accounts and financial institutions can be done with ease, and with no interruption to billing.

Benefits of PayTo


Benefits for Businesses

Enhanced billing with
real-time verification

Businesses can bill with confidence. Know if the payment is successful with real-time funds verification and notifications during every stage of the payment cycle. 


- Real-time customer and funds verification 

- Improved customer self service

- Reduced chargebacks and disputes

- Payment processing 24/7 including weekends

and public holidays

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Benefits for Customers

Secure payments with enhanced self-service

PayTo delivers exceptional customer experiences, creating greater self-service opportunities and providing greater protection from fraudulent transactions. 


- Enhanced security and fraud prevention 

- Simple, paperless sign-up process 

- Manage PayTo through banking app

- Easy PayTo Agreement movement

from different bank accounts

Want to learn more about PayTo?

Register interest

Ezypay Blog

Recent Posts

Below are three of our most recent PayTo blog posts you may be interested in - Click here to see all of our content

January 31, 2024

PayTo and Direct Debit – What Are the Differences?

Direct debit has been making consumers' lives easier since the 1960s and remains a popular, efficient and cost-effective method of invoicing ...
January 18, 2024

PayTo agreements - what are they and how do they work?

PayTo is ready to revolutionise how Australian businesses collect payments from their customers. This innovative new payment method offers ...
January 17, 2024

3 ways that PayTo is revolutionising the way businesses collect payments

The era of real-time bank payments has begun, and many companies are scrambling to incorporate instant bank-to-bank payments into their service ...

Your PayTo questions answered

Do you have a question about PayTo? We’re here to help.
Browse through the most common PayTo FAQs below or contact us directly to ask your own question.

What is PayTo?


PayTo is an initiative from the New Payments Platform (NPP); fast payments infrastructure built by the Australian financial services sector.

PayTo works similarly to direct debit, with payments initiated by a business, drawing funds from the customer’s bank account.

PayTo removes the need for paper payment authorisations, using in-app payment mandates from the customer’s banking app to accept the payment mandate. Once accepted, customers can manage the payment mandate from within their banking app, including viewing records of accepted mandates and updating the chosen bank account to draw down on.


What is a PayTo Agreement?


PayTo Agreements replace paper authorisation forms that are used for bank direct debit payments. When using PayTo, customers will receive a notification from their banking app prompting them to log into their app and accept the Agreement.

Agreements include information about the payment plan, including who the biller is and the recurring payment amount, with this information being stored in the customer's banking app for future reference.

Can customers decline a PayTo mandate?


Yes, customers have the ability to decline or cancel a PayTo mandate.

Your business will be notified immediately so that you can contact the customer and rectify the issue.

Before billing can start or resume, a new mandate must be sent for the customer to accept.

Why should I use PayTo?


PayTo is the latest innovation in payments technology in Australia, with significant benefits for both businesses and their customers.

Benefits for businesses include:
- Real-time customer and funds verification
- Improved customer self service
- Payment processing 24/7

Benefits for customers include:
- Enhanced security and fraud prevention
- Simple, paperless sign-up process
- Manage PayTo through banking app


Is PayTo replacing direct debit?


Yes, but not immediately.

PayTo is being developed as a replacement for the current bank-to-bank direct debit platform BECS (Bulk Electronic Clearing System). Whilst the rollout of PayTo continues, customers will be able to use both the existing BECS platform and PayTo.

Once PayTo becomes the norm for bank-to-bank payments, the existing platform will be switched off.

When can I get access to PayTo for my business?


PayTo will roll out progressively from mid-2022. As PayTo is brand new in Australia, it will take some time to become available for all software platforms.

We are currently working with our software partners to integrate PayTo into their existing platforms.

Your software provider will let you know once it is available and how you can start using PayTo.

Click here if you'd like to register your interest for PayTo!

Will it be difficult for businesses to change from Direct Debit to PayTo?


No, your existing software provider and Ezypay will do all the hardwork to get your business PayTo ready.

Once ready, you will need to communicate PayTo to your customers, but Ezypay and our software partners can help with that.

For customers, changing their payment method will be as simple from changing their regular payments from one bank account to another.

Does a PayTo agreement have an end date?


No, there are no end dates for PayTo agreements. Your payment plan will continue to bill using PayTo until you cancel the payment plan, or the customer cancels the payment authorisation from their banking app.

If a customer's payment plan has a total amount to collect (TAC), the PayTo payments will continue until the TAC has been collected.

What happens if there are insufficient funds in the account for a PayTo payment?


PayTo is just another payment method, so PayTo failed payments will be handled like any other payment method.

You can view your failed payment handling conditions from within the Ezypay platform, or from within our software partner's platform if you are using an integrated solution.

What happens if a customer doesn’t respond to a PayTo notification?


Payment plans can't commence without a customers authorisation through the payment mandate. If one of your customers fails to respond to the PayTo notification, it's best that you contact them to remind them of their next steps.

PayTo will provide updates when a payment mandate has been approved or declined, so keep an eye out for these updates if you are unsure.

How is a PayTo payment different from a direct debit


PayTo and direct debit payments act in a similar way, as both are forms of bank-to-bank payments. Customers will provide their BSB and account number, or their PayID number in order for a business to bill them. The main diffence between PayTo and bank direct debits is the in the account authentication and the payment processing times.

PayTo Agreements

Before a customer can be charged, they must accept a PayTo agreement. After entering their payment details, the customer will receive a notification from their banking app, asking them to accept their PayTo Agreement. This adds an extra layer of protection against fraudulent transactions for both businesses and customers

Processing time

PayTo payments are processed in real-time, significantly quicker than traditional bank direct debits. Businesses using PayTo will receive a near instant payment response, giving them greater confidence when billing customers.

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