A PayTo enabled vendor will request your PayID or BSB and account number.
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What is PayTo?
PayTo® is a fast, easy, and secure way to make pre-authorised payments directly from your bank account, such as your gym membership or a one-off payment for carpet cleaning.
You can view your PayTo agreements in your Internet Banking, plus you can also pause, cancel and alter payments.
Payments are sent via the NPP payment channel, so are received in near real time.
How does PayTo work?
PayTo allows you to authorise a 'PayTo agreement' with a merchant or business. You agree to how much will be paid, when it will be paid, and whether it will be recurring or an adhoc one-off payment.
To set up an a PayTo agreement, you will need to provide the business or merchant your PayID® or BSB and account number.
You can view, approve and decline pending PayTo agreements within your Internet Banking. Once authorised, the merchant or business will debit your account per the agreement terms.
Why use PayTo?
Visibility and Control
You can view and maintain your PayTo agreements within Internet Banking, giving you more control and oversight of your payments.
Privacy
You can keep your BSB, Account number and personal information private by providing your PayID for PayTo agreements.
Security
We take your security seriously, which is why all transactions made using PayTo have the same level of security that protects your existing bank accounts.
Get started with PayTo
PayTo FAQs
PayTo® is an easy and secure option to manage payments to businesses. A 'PayTo agreement' is set up between the sender and the receiving business outlining the amount, time, and frequency the payment can be debited. Payments are processed using the NPP channel are are received in near real-time.
PayTo allows you to authorise a 'PayTo agreement' with a merchant or business. You agree to how much will be paid, when it will be paid, and whether it will be recurring or an adhoc one-off payment.
To set up an a PayTo agreement, you will need to provide the business or merchant your PayID® or BSB and account number.
You can view, approve and decline pending PayTo agreements within your Internet Banking. Once authorised, the merchant or business will debit your account per the agreement terms.
For you as a member, the main benefits are…
Faster payments
Payments made using PayTo are received by the vendor in near real time.
Visibility and Control
You can view and maintain your PayTo agreements within Internet Banking, giving you more control and oversight of your payments.
PayID
You can keep your BSB, Account number and personal information private by providing your PayID for PayTo agreements.
Members can identify businesses using PayTo by the distinctive logo:
You can view, alter, and cancel PayTo agreements within your Internet Banking.
Please note that pausing or cancelling a PayTo agreement does not change any contractual arrangements you have with that business or merchant.
PayTo is a safe and secure payment method. We take your security seriously, which is why all transactions made using PayTo have the same level of security that protects your existing bank accounts.
Payments will only be debited if the PayTo has been approved by you. It is best to review the PayTo agreement thoroughly before approving to ensure you agree to the terms.
If your question relates to a specific PayTo agreement, discuss with the business first. If you require additional support, get in touch during business hours on 1300 362 216.
PayID and PayTo are registered trademarks of NPP Australia Limited. This is general information and is not intended as financial or professional advice. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product or other professional advice. You should seek your own independent financial, legal and taxation advice before making any decision about any action in relation to the material in this article.
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Railways Credit Union Limited trading as MOVE Bank | ABN 91 087 651 090 | AFSL/Australian credit licence 234 536 | BSB 724 100 | Swift code WPACAU2S