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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.

PayTo is ready for your business

PayTo is Australia’s new real-time, direct debit upgrade. PayTo means your business can collect payments from your customers’ bank accounts on time, in real time, any time. PayTo is ready now for you and your customers.

Paypa Plane is the global leader in payment agreements and PayTo is in our DNA.

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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.

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What can PayTo do for you?

Built 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 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.

Flexible

PayTo supports a range of payments - such as subscriptions, installments, balloon, fixed, usage based, variable and many more. PayTo is flexible and will suit whatever payment arrangement your business needs.

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.

PayTo Means

Reduced chargebacks
Payments are confirmed by your customers in their bank account.
conversations
Instant payments 24/7
Always available, no holiday or weekend lockouts.
time
Decreased fraud
Verified bank account payments only.
Criminals
Complete payment transparency
More data means better reconcilliation.
visibility
Improved cashflow
Instant settlements to your bank account.
Flowing
A PayTo product for every business type
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Banking
Enterprise

Pearl: Comprehensive Payments API

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 quickly and easily to upgrade your payment collections and your customer experience.

Pearl is our comprehensive Smart Payment Agreement™ API. Enhance your entire payment strategy and bring the power of Smart Payment Agreements to your existing business systems and all your existing payment streams – cards, PayTo, direct debit and even BPAY.

Pearl allows you to move the dial on your payment strategy and your customers’ experience and brings Smart Payment Agreements into your business and uplifts your customers’ experience.

Learn more about Pearl
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Enterprise
Banking

Avionics: PayTo Payer Portal Access

Avionics is our comprehensive Smart Payment Agreement™ portal that can be white-labelled to create an ideal, on-brand payment management portal and strategy for your business.

Enhance your entire payment strategy and bring the power of Smart Payment Agreements to your business in an environment that is designed for all your business users. You can bring all your existing payment streams – cards, PayTo, direct debit and even BPAY.

Avionics allows you to move the dial on your payment strategy, payment management tools and uplifts your customers’ experience.

Learn more about Avionics
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Small to Medium Business

Billycart: PayTo Fast Access

Want to start using PayTo to accept payments today? Create a Billycart (by Paypa Plane) account and your business can gain immediate access to PayTo. Billycart comes packed with a range of user-friendly features that will guide you and your team through to start sending payment requests to your customers today.

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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

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?

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.

Speak to a PayTo expert