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Using the New Payments Platform’s real-time payments with a payment request capability, PayTo means businesses can get paid on time, in real time, any time.

Transform your payments with PayTo

Collect payments in real time, any time, on time with PayTo, Australia’s new real-time, direct debit upgrade.

PayTo is ready for your business now, so get ahead of competitors and take the first step into the payments revolution backed by the security of Paypa Plane’s leading payment agreements.

PayTo is in our DNA.

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Discuss PayTo with Paypa Plane
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Fast, secure & recurring

PayTo means that your business can now combine all the benefits and security of real-time-payments with the utility of automated or recurring payments and solve the pain-points you (and your customers) might be experiencing with your card or direct-debit payments today.

Created for business

With PayTo, businesses benefit from:

  • real-time account validation (so you know that the bank account belongs to your customer),
  • instant payment confirmation (which means that you know straight away if a payment has been successful),
  • better payment information (so that you can track and reconcile transactions easily),

Flexibilty is key

PayTo can support to a range of payment types such as – subscription, installments, balloon, fixed, usage based and variable – really any type of payment agreement you and your customer need can be accommodated by PayTo!

Quick wins

PayTo means that you can collect your payments on your schedule – not the bank’s! No more 3 day+ clearance times, now more holiday or after hours or weekend payment stops, no more batch files, no more late or delayed declined payments.

PayTo takes away the uncertainty and allows you to collect and confirm payments whenever you need to – in real time, all the time.

Two screens showing elements of PayTo

PayTo is built for your business

Built to save time, money and improve cashflow, PayTo will change the way your business collects payments.

It solves the problems caused by traditional direct-debit payments– no more uncertainty, delayed payments, late dishonors, delayed settlements, or after-hours payment stoppages.

PayTo is powerful

Benefits for your business:

  • Improve your cashflow with instant settlements. No more waiting for access to cash;
  • Save time with real-time account validation, you know the account belongs to your customer;
  • Instant payment confirmation: you’ll know straight away if a payment is successful;
  • Better payments data: easily track and reconcile transactions.

Payments your way

Whether it’s a recurring or one-off payment, PayTo is flexible and able to suit any payment arrangement your business needs.
PayTo solves the problems caused by traditional direct-debit payments.

Solving payment problems

PayTo solves the problems caused by traditional direct-debit payments– no more uncertainty, delayed payments, late dishonours, delayed settlements, or after-hours payment stoppages with PayTo!

Solve payment problems

PayTo solves the problems caused by traditional direct-debit payments– no more uncertainty, delayed payments, late dishonours, delayed settlements, or after-hours payment stoppages with PayTo!

PayTo Means

  • Real-time account validation- so you know that the bank account belongs to your customer,
  • Instant payment confirmation - which means that you know straight away if a payment has been successful
  • Better payment data - so that you can track and reconcile transactions easily,
  • Instant settlement- your money is available instantly in your bank account as soon as payment has occurred. No more waiting for access to cash.

Five benefits of PayTo

Reduce fraud, chargebacks and disputes
Payments are confirmed by your customers in their bank account.
conversations
Instant payments 24/7/365
Always available, no holiday or weekend lockouts.
time
Better customer experience
Verified bank account payments only.
Criminals
Transparent payments
More data means better reconcilliation.
visibility
Improved cashflow
Instant settlements to your bank account.
Flowing
PayTo solutions for every business: now and in the future

Paypa Plane does more than just connect you to PayTo. Our products go beyond the first wave of innovation and will set you up for the future of payments.

Pearl Logo
Banking
Enterprise

PayTo API Access: Pearl

Made for enterprise and banks, Pearl will elevate your entire payment strategy with our comprehensive Smart Payments Agreement API.

  • Effortlessly create, manage, and execute Smart Payment Agreements™ with customers utilising Paypa Plane's robust infrastructure;
  • Integrates with all your existing payment streams – cards, PayTo, direct debit and even BPAY;
  • No change to your current infrastructure, or for your staff or customers.
Learn more about Pearl
Avionics logo
Enterprise
Banking

PayTo Payer Portal Access: Avionics

Designed for leading enterprise and banks, Avionics is our premium white label platform creating an ideal, on-brand payment management portal and strategy for your business.

  • Bring the power of Smart Payment Agreements to your business in an environment that is designed for all your business users;
  • Drive revenue growth, accelerate payment processing, and embrace unparalleled flexibility;
  • Supported by skilled team of Paypa Plane developers managing the process with you.
Learn more about Avionics
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Small to Medium Business

PayTo Fast Access: Billycart

Are you an SME and want to start using PayTo to accept payments today?

Create a Billycart account and your business can gain immediate access to PayTo.

  • User-friendly and easy to connect;
  • Send smart payment requests to your customers for recurring or one-off payments;
  • Track payment status with your payment control centre.
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PayTo API Only

Already set up? Our industry leading PayTo API will seamlessly fit into your existing operations and have you collecting real-time, secure payments in no time.

  • Bring PayTo to your business quickly and easily;
  • Upgrade your payment collections;
  • Elevate your customer experience.
Talk to one of our team members
Uplift after our PayTo API

Uplift your business
with PayTo & Paypa Plane

Elevate your business with swift integration of PayTo functionality through our robust API.

Partner with our committed team to activate PayTo features tailored for your business or enterprise needs. Should your priority be the immediate deployment of PayTo payment solutions, our PayTo API will quickly uplift your current infrastructure.

PayTo - Out of the box

Create your own PayTo experiences in our ‘out of the box’ portal – Billycart. This will allow you to test drive PayTo in a user-friendly environment that you and your entire team will be able to rapidly adopt. You can start sending payment requests via Billycart within 15mins. Billycart will allow you to integrate PayTo into your CRM, accounting solutions or other software or help you plan for a transition to our PayTo API solution – Pearl Go.

Ready to take your payment strategy to the next level? PayTo is only a part of the story. Talk to our team about how all of your payments can be upgraded to meet the future needs of your business and your payers through our full Smart Payment Agreement solutions.

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Billycart, perfect for PayTo

Why
Work with
Paypa Plane

Trust

Paypa Plane enabled the first ever PayTo mandates in Australia to Telstra and The Shepherd Centre in partnership with Commonwealth Bank. Our system is bank-grade by default with enterprise clients benefiting from those foundations.

Partners

When you choose Paypa Plane, you gain the assistance of a dedicated Client Relationship Manager who will oversee and ensure your seamless integration of PayTo.

Smarts

Paypa Plane is the only company in the world to offer Smart Payment Agreements which will set up your payments for PayTo now, and for the innovations of the future.

Ready to take your payment strategy to the next level?
PayTo is only the start of the payment revolution

Frequently asked PayTo questions

How does PayTo work?
How does PayTo reduce fraud chargebacks?
How long do PayTo payments take to process?
Is PayTo different to PayID?
How will PayTo improve my customers experience?
How long will it take for Paypa Plane to implement PayTo for my business?

Talk to our team about how your payments can be upgraded to meet your business's and your payers' future needs.  

We can connect you to PayTo today with the added benefits of our full Smart Payment Agreement™ solutions that will put you ahead for payments of the future.

Speak to a PayTo expert