payto
Power a modern, flexible, account-to account payment experience with PayTo®
PayTo is the next evolution of payments in Australia, offering real-time, direct from banking app, account-to-account payments.
Global Payments for Platforms makes it easy to embed PayTo into your platform so merchants can get paid faster, reduce fraud, and improve the customer experience.
(Available in Australia only)
Simplify payments. Improve cash flow. Strengthen trust.
PayTo enables merchants to receive payments in real time - no cards, no delays. With pre-authorised agreements and bank-grade security, PayTo minimises fraud and operational overhead while improving cash flow.
Real-time payments
Funds move instantly - no waiting days like with traditional direct debit.
Reduced fraud and chargebacks
Consent authorised through customer banking apps, no card data required.
Frictionless experiences
Customers approve payments in seconds from their bank app, easy and trusted.
One API. Every payment type
Offer PayTo, credit, debit, and POS, all in one embedded, white-label solution that’s built for scale.
Get real-time. What you can do with PayTo
Embed PayTo using REST APIs and pre-built onboarding flows
Reduce payment failures with real-time validation and approvals
Enable real-time settlements for merchants
Cut processing costs compared to cards or traditional direct debit
Support recurring, one-off, or variable payments with ease
Obtain seamless payer authorisation via mobile banking apps
Payment experiences designed for your software
Unleash powerful Embedded Payments technology that delivers on a better experience.