Accept payments straight from your customer's bank account or PayID with customer-initiated approval and fewer failed transactions compared to cards.
The PayTo authorisation will be sent to this customer to accept via their online banking portal.
PayTo Terms and ConditionsFast bank payments, settled next-day
PayTo is Australia's new real-time payment system - a fast and powerful way to let customers pay directly from their bank account or PayID. Choosing PayTo means quick, secure settlements and more payment choices for your customers. Simply send a digital payment request for customers to approve instantly in their banking portal. Once confirmed, funds are debited automatically and settled the next business day.
Fast and hassle-free for all customers. All that's needed are PayID or bank details.
Reduced card fees mean you can save more.
Full chargeback protection means total security for you and your customers.
Trusted. Secure. Built for growth
PayTo eliminates the costs and risks of traditional payment methods. Customers approve payments directly through their bank account, which means verified transactions with built-in fraud prevention and chargeback protection. Lower fees and fast settlement times mean higher cash flow and stronger protection for your business.
Integrate into your workflow
From direct online requests to smart integrations, PayTo fits seamlessly into any of your preferred processes. However your customers choose to pay, you get fast, secure transactions that are direct and simple to manage.
Simplified & streamlined
Experience seamless, real-time business payments from Bank accounts in 3 easy steps.
Quickly create or locate an existing customer record.
Generate a secure link and share instantly via SMS, email, or QR code.
Customer receives the request through their banking app, selects PayTo, and approves the payment.
What's the difference between
PayID lets customers initiate transactions from their bank account, while PayTo allows customer to simply accept payments from their bank account.
PayTo lets customers initiate transactions from their bank accounts and gives businesses direct control over customer payments. With the customer's approval, funds can be securely debited from their account using their PayID or bank details.
Simply enter a customer's details and the payment will be successfully processed when approved in their banking app.
PayID makes it simple for customers to send money directly from their bank. Each customer is assigned a unique PayID, allowing them to transfer funds directly to you. Payments are validated in real time and automatically matched to the correct customer - fast, accurate, and secure.
Customers send money to your unique PayID address, which will be confirmed once payment is received.
The PayTo advantage for
PayTo gives your business a smarter, more secure way to get paid, without high card fees or chargeback risks. Collect real-time, bank-authorised payments with lower costs and built-in fraud protection for every transaction.
From consultants to mobile trades, get paid instantly without chasing invoices.
Customers can view their PayTo subscription from their own banking portal, providing visability and clarity.
Strata managers, landlords, and real estate agencies can collect rent and fees and provide a low cost alternative to credit card.
Process high value transctions and invoices securely.
Security you can bank on
Pay Advantage makes PayTo payments as easy and safe as possible. Every PayTo payment is managed, tracked, and secured in one place. Get real-time visibility and direct control over your payments - all through a powerful platform trusted by over 6,000 Australian businesses.
Everything you need in one platform. Accept payments, manage customers, track sales, and automate billing.
Get fast support from real payment experts based in Australia who understand your industry.
Built for Australian banking regulations and compliance. Designed for how you actually work.
PayTo is Australia’s real-time payment system that lets a business send a digital payment request straight to a customer’s bank account or PayID, which the customer approves in their banking app — combining the control of direct debit with the speed of real-time payments.
You send the customer a secure digital payment request. They approve it in their online banking or banking app, and once confirmed the funds are debited automatically and settled to you the next business day. Approvals happen in real time.
PayTo works like a modern, real-time direct debit. The customer approves the payment agreement directly in their banking app and can see and manage it there, which reduces failed transactions and disputes compared with traditional card or debit collection.
PayID lets customers send money to you directly from their bank account. PayTo lets you send customers a payment request from their bank account that they approve, making it well suited to recurring and subscription payments.
Customer approval is real time, and funds are settled to your account the next business day.
Yes. PayTo payments are bank-authorised and customer-approved, with built-in fraud prevention and full chargeback protection for you and your customers.
PayTo is designed to reduce card fees, with fixed transaction pricing that can save you money on every payment. See the pricing section for current rates.
Join 6,000+ Australian merchants who’ve made the switch.