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Secure payments directly from your bank account

PayTo® is a secure payment method that lets you pay from your bank account using your PayID®, or BSB and account number. PayTo agreements are authorised and managed in your online banking, giving you more visibility and control over your money.

Authorise, view and manage payments in one place

Once you authorise a PayTo agreement, payments are processed according to the terms you’ve agreed to. That means you're in control of how much money can be debited.

Agreements can also be viewed and managed in one secure place, making it easy for you to stay on top of your payments.

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PayTo for consumers

Pay securely from your bank account, and manage payments in one place.

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PayTo for businesses

Keep business moving and give customers a secure payment option.

Latest PayTo news and updates

Australian education provider Dymocks Education is modernising its customer payments, creating a more seamless and secure customer experience and unlocking (read more)
8 July 2025
Amazon Australia now offers PayTo at checkout, giving customers a seamless way to make a purchase directly from their bank (read more)
3 June 2025
There are two Account to Account (A2A) systems in Australia - the Bulk Electronic Clearing System (BECS) and New Payments (read more)
1 September 2023
Australia’s domestic payments provider, Australian Payments Plus (AP+) has embarked on a campaign to lift public awareness of its PayTo (read more)
22 June 2023
Australia’s first payment service providers have commenced offering PayTo to their merchant and business customers, as the financial services sector (read more)
30 June 2022
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AP+ acknowledges the Gadigal People of the Eora nation as the Traditional Custodians of the lands on which we are based and pay our respects to Elders past, present and emerging. We recognise all Aboriginal and Torres Strait Islander peoples' ongoing connection to the lands and waters of Australia and thank them for their pivotal role in caring for Country. Always was and always will be Aboriginal Land.

View our Reconciliation Action Plan

©2025 Australian Payments Plus. ABN: 19 649 744 203  All rights reserved

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