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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.

Check if your bank offers PayTo and how to authorise a PayTo agreement.
Find my bank

Stay scam aware when authorising a PayTo agreement​

Scammers may impersonate banks, businesses or government agencies and pressure you to act quickly. Always pause and check the PayTo agreement details before authorising.

  • Only authorise agreements you recognise and expect.
  • Check the business name matches who you intend to pay.
  • Make sure you understand what the agreement is for.
  • If you didn’t request the agreement, don’t authorise it.
  • If you’re told to authorise an agreement to “secure”, “protect” or “move” your money, it’s likely a scam.
  • If you receive an unexpected email or text message, don’t use the links or phone numbers provided.

If you’re unsure, contact your bank through your banking app or another trusted channel.

PayTo for consumers

Pay securely from your bank account, and manage payments in one place.
Explore PayTo for consumers

PayTo for businesses

Keep business moving and give customers a secure payment option.
Explore PayTo for businesses

Latest PayTo news and updates
Case study: GT Insurance enhances customer experience with PayTo
The shift to modern, real-time payments is changing how organisations manage both customer experience and operational processes to realise efficiencies.  GT Insurance is part of (read the article)
23 June 2026
​Scams Awareness Week: How AP+ is building scam protection into everyday payments
Australian Payments Plus (AP+) is continuing to step up its efforts to make payments safer, faster, and more secure, by (read the article)
25 August 2025
Case study: Dymocks Education's payment evolution
Australian education provider Dymocks Education is modernising its customer payments, creating a more seamless and secure customer experience and unlocking (read the article)
8 July 2025
Amazon.com.au integrates PayTo at checkout for customers to pay securely from their bank account
Amazon Australia now offers PayTo at checkout, giving customers a seamless way to make a purchase directly from their bank (read the article)
3 June 2025
The AP+ POV: The Future of 3rd Party Initiated A2A Payments – Adrian Lovney
There are two Account to Account (A2A) systems in Australia - the Bulk Electronic Clearing System (BECS) and New Payments (read the article)
1 September 2023
PayTo Consumer Awareness Campaign Launches
Australia’s domestic payments provider, Australian Payments Plus (AP+) has embarked on a campaign to lift public awareness of its PayTo (read the article)
22 June 2023
PayTo commences rolling out for first payment service providers
Australia’s first payment service providers have commenced offering PayTo to their merchant and business customers, as the financial services sector (read the article)
30 June 2022

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 (PDF)

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