PayTo®

PayTo is a new way to make secure payments and enjoy greater control over the money going out of your account.

PayTo operates via the New Payments Platform, the real-time payments infrastructure that makes fast and efficient payments between participating financial institutions.

Give the biller your PayID or BSB and account number. The biller will send you a PayTo agreement via Internet Banking. Check the PayTo agreement to either authorise or decline the payment.

PayTo is a digital alternative to Direct Debit payments. PayTo gives you more visibility and control of your regular or one-off payments via Internet Banking.

You can pause or cancel a PayTo agreement at any time in Internet Banking.

1. Log into Internet Banking
2. Select Payments, then PayTo agreements.
3. Open the PayTo agreement, scroll to the bottom of the page, select ‘Pause’ or ‘Cancel’.
4. Follow the next screens to confirm.

When you pause or cancel an agreement, we’ll send you a confirmation via email. We’ll also notify the biller you have the PayTo agreement with.

We suggest you contact the biller when you pause or cancel your PayTo agreement with them as you may still have a contractual obligation to make payments. The biller may charge you fees for a missed payment.

To reinstate a paused PayTo agreement, go the PayTo agreement and select ‘Reactivate’.

If you cancel a PayTo agreement and then later want to make payments, the biller will need to send you a new agreement.

Once you’ve authorised your PayTo agreement, you can only change the PayID and account details.

1. Log into Internet Banking
2. Select Payments, then PayTo agreements.
3. Open the PayTo agreement to edit your PayID.
4. Follow the next screens to confirm.

When you edit your agreement, we’ll send you a confirmation via email. We’ll also notify the biller you have the PayTo agreement with.

Generally, you have 5 calendar days to authorise or decline a PayTo agreement, but a biller can set a shorter timeframe. When the timeframe expires, the agreement will cancel automatically. To re-establish the PayTo agreement, the biller will need to send you a new request.

Whilst you cannot move direct debits to PayTo some billers will proactively migrate your existing direct debits to PayTo. The biller will notify you about any migration and the payments won’t start until five days after the switch. The biller is responsible for cancelling your original direct debit when the PayTo agreement is created.

Firstly, contact the biller to resolve the problem. Then, if you’re unable to resolve this issue, you can contact us to raise a claim.