PayTo for real-time payments
The Australian payments industry is taking a significant step forward—by giving direct debit the ultimate glow-up. And we’re at the forefront. Initiate secure payments in real-time from your customers’ bank accounts.
What is PayTo?
PayTo is the new way for businesses like yours to take pre-authorised fast and secure payments from your customers’ bank accounts in a matter of seconds—24 hours a day, seven days a week.
PayTo offers the same set-and-forget benefits of direct debit—but with more speed, simplicity and security. With pre-authorised agreements with your customers, payment disputes become a thing of the past, and there’s less risk of missed payments and fraud.
Our connection to the New Payments Platform (NPP) means you can experience this new, modern way of doing business—and it’s closer than you think. Get ready to experience a new era of seamless and efficient payments with PayTo and Ezidebit.
How PayTo works
PayTo and Ezidebit help you simplify your payment process, save time, and reduce costs— getting your payments done in one, faster.
Why choose PayTo with Ezidebit?
PayTo changes how you and your customers connect, engage and transact.
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Benefits for you, the merchant
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Benefits for your customers
Benefits for you, the merchant
Real-time funds verification
Enjoy efficiencies for your business with account balances verified and transactions processed in real-time.
Proactive communication
Receive notifications at various stages of payment so you can feel confident about your cash flow and incoming revenue at any point in time.
Increased visibility
See when payment agreements are authorised, paused, changed or cancelled —so you know where your customers are at with their payments, at any given moment.
Simple payment reconciliation
Enjoy simple reconciliation with a single settlement report across all enabled - PayTo (real-time), direct debit, eftpos, BPAY, online and phone payments.
Reduced failed payments & disputes
PayTo agreements are pre-authorised by the customer and bank accounts don’t expire, as opposed to credit cards.
Benefits for your customers
Convenient payment management
Easily setup and manage payment agreements through their banking app, eliminating the need for manual or paper-based payment agreements.
Enhanced payment control
Customers can take control over both one-off and scheduled payments, with the ability to pause, cancel, or authorise new payment agreements in one place.
Secure transactions
PayTo uses advanced security measures to protect sensitive information and keep transactions secure, reducing the risk of fraud.
Avoid fees and penalties
If a transaction fails due to an insufficient balance, businesses can retry up to five times before a fee is charged. Plus, layer SMS with your software to proactively communicate when payments are due. Win, win.
Manage cash flow with confidence
Customers receive notifications at various stages of payment, helping them to stay informed of their payment obligations and avoid potential issues or surprises.
Discover the best use case in your industry
Is your business ready for real-time payments?
As PayTo is so new, many banks and other financial services are still in the process of connecting to it. At Ezidebit, our integration with leading best-in-class NPP PayTo technology is open and ready to pilot.
If you’re interested in gaining a competitive advantage and becoming a leader in your industry, we welcome merchants and ISVs to join our Pilot Program. You too can be on the front foot of this innovative payment rollout.
Fill in your details to express interest in our PayTo Pilot Program. Let’s discuss how we can optimise your payment system and help you leverage the power of real-time payments.