About
PayTo is Australia's digital debit-mandate service on the New Payments Platform, developed by NPP Australia and offered by Australian Payments Plus (AP+). Instead of a paper direct-debit form, a merchant creates a PayTo agreement against the customer's PayID or BSB and account number; the customer approves it in their banking app, where it can later be viewed and managed. The merchant then pulls one-off or recurring payments that settle in real time over the NPP, with account details and funds checked upfront. PayTo began rolling out on 30 June 2022 through payment providers such as Azupay, Monoova and Zepto.
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