Solutions > PayTo > For consumers
PayTo is a secure payment method that lets you use your PayID, or BSB and account number to pay.
PayTo agreements are authorised and managed in the convenience of your online banking, giving you more visibility and control over your money.
PayTo agreements are authorised in your online banking before any money can come out of your account, so you’re in control.
Agreements can also be viewed and managed in one secure place.
The same level of security that protects your existing bank account payments also protects PayTo payments, and payment details are shared with the business you have your agreement with.
Use your PayID, or BSB and account number to create a PayTo agreement, and authorise it in your online banking. There’s no need to download another app.
Payments are processed fast 24/7¹, which means no pending transactions, giving you confidence your payments won’t be delayed.
¹ Some payments may be held for additional security checks. Speak to your financial institution for more information.
PayTo is in your online banking, so you don’t need to sign up to anything new, or download another app.
You only need your PayID, or BSB and account number to create a PayTo agreement. No need to share your card details or remember expiry dates. Easy.
Look for the PayTo logo on your bill, invoice, payment wallet, or at checkout, and select it as your payment method.
You can use your PayID² (mobile number or email address), or BSB and account number to set up an agreement.
² Some businesses may only accept certain PayID types, like a mobile PayID.
The agreement will include all relevant payment terms such as amount, purpose, and frequency. It will appear in your online banking for you to review and authorise.
The steps to authorise a PayTo agreement may vary slightly between banks. You may receive a notification via your mobile banking app, SMS, email, or see a prompt upon logging in. In some cases, you may need to log in to your online banking and navigate to 'PayTo' or 'Payment agreements’.
Agreements can be viewed and managed in the security of your online banking. From here, you can pause, resume or cancel agreements.³
³ Pausing or cancelling an agreement doesn’t change your contractual arrangements with a business or organisation.
PayTo is new, so keep an eye out for it on your next bill, invoice, payment wallet, or at checkout, as more businesses and organisations offer it as a payment method.
You can also check if PayTo is available in your online banking, and how to authorise a PayTo agreement below.
PayTo is available in the online banking of over 50 financial institutions.
Discover the benefits PayTo can bring to your business and your customers
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