PayTo is now available with Oligo
A faster, safer way to pay directly from your bank account.
Why you'll love PayTo®
A new way to authorise payments from your bank account.
Easily view and manage your PayTo agreements in your mobile banking app or online.
Every payment is securely authorised by you within your own banking app.
How to pay with PayTo
Before you begin, make sure you know where to authorise PayTo in your banking app. Follow this step-by-step guide to authorising and managing your payments.
NAB
CBA
ANZ
Westpac
Once started, you’ll have 10 minutes to authorise your PayTo payment.
Step by Step Guide
1. Select PayID as your payment method
When making a payment online, choose PayTo as your payment method.
2. Set up a PayTo agreement
Enter your PayID or bank account details (BSB and Account Details) to create a PayTo agreement, then click Continue.
3. Authorise your PayTo agreement
Open your banking app and follow the prompts to authorise the payment. You have 10 minutes to complete this step.
4. Complete your payment
Once authorised, the payment will be processed directly from your bank account. Your payment status will update automatically.
PayTo FAQ's
What is PayTo?
PayTo is a digital payment solution offered by banks and financial institutions in Australia. It allows you to pay instantly from your bank account for eligible payments online.
Payments via PayTo can only be made after you create and authorise a PayTo Agreement in your mobile banking app or online banking. Once authorised, the payment provider can debit your bank account for the payment you initiate, in accordance with the terms you set.
You can view, pause, or cancel your PayTo Agreements directly in your banking app or online banking account.
How do I pay using PayTo?
Select PayTo as your payment method on the payment page.
Set up a PayTo Agreement by entering your PayID or bank account details (BSB and account number). Click Continue.
Authorise your PayTo Agreement in your banking app or online banking. You have 10 minutes to complete this step.
Complete your payment — once authorised, the payment will be processed directly from your bank account, and the payment status will update automatically.
What is PayID? Do I need it?
PayID is a unique identifier linked to your bank account, such as a mobile number, email address, ABN or ACN. To use PayID with PayTo, it must first be registered with your bank through your mobile banking app or online banking. You can use a PayID to create a PayTo Agreement, but it is not required. You can also set up PayTo using your BSB and account number.
Which payments can I make with PayTo?
PayTo can be used for eligible online payments where it is offered. Some products or services may not be eligible, check the payment page for details.
What is a PayTo Agreement?
A PayTo Agreement is a payment authorisation between you and the merchant that allows payments from your selected bank account.
Payments can only be made after you authorise the agreement.
The maximum transaction amount for a payment is determined by your bank or financial institution.
You can view, pause, or cancel your PayTo Agreements directly in your banking app or online banking account.
Do all Australian banks support PayTo? Are there fees?
Most Australian banks, credit unions, and financial institutions support PayTo. Check with your bank if you are unsure.
There may be fees associated with using PayTo, as it relies on NPP payment rails. Some merchants choose to absorb these fees, while others may pass them on to customers. Please refer to the merchant’s payment page for details.
How do I authorise a PayTo Agreement?
- Open your mobile banking app or online banking.
- Locate the PayTo Agreement marked as Pending authorisation.
- Review the payment terms and details.
- Approve the agreement. Your bank may ask for a password or OTP. If you do not want to proceed, select Decline. The PayTo Agreement will not be created.
Can I change or cancel a PayTo Agreement?
You cannot change the transaction amount once the PayTo Agreement is authorised.
To change the amount, cancel the existing agreement and create a new one.
You can cancel or pause PayTo Agreements at any time via your banking app or online banking.
Why might a PayTo payment fail?
The agreement is not active (paused or cancelled).
The payment exceeds your bank’s transaction limits.
Insufficient funds in your bank account.
How will I be notified about my PayTo payments?
You will receive updates via your mobile banking app, online banking, or other notifications you have set up with your bank.
Who can I contact for help with PayTo payments?
For issues with PayTo, contact your bank, financial institution, or payment provider.
For questions about payments made through our site, contact our support team.
Ready to Get Started?
With our free and easy signup process, you can start using Oligo instantly! Get in touch with Oligo today and let’s start creating a payment solution that works for you and your business.
