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Take control of payments from your bank account


What is PayTo?

PayTo is a fast, efficient, and secure way to digitally pre-authorise payments from your bank account.

The New Payments Platform (NPP) enables banks, building societies and credit unions to support PayTo for their payer customers from mid-2022. Once available, PayTo will roll out progressively, as merchants, businesses and third parties such as fintechs offer PayTo as an alternative payment method.

You're in control

View and manage payments from your bank account, giving you up to date, real-time visibility of your payments.


An easier way to make payments from your bank account. You can use either a PayID or a BSB and account number, making it simple to set-up a payment on the spot.


Manage your PayTo transactions and agreements within the security of your existing online or mobile banking, enabling you to keep track of your payments from the one place.

The way it works

PayTo agreements are stored centrally in a secure and encrypted database managed by NPP Australia, the organisation that operates and oversees the New Payments Platform.

The initial step is to pre-authorise a PayTo agreement. This agreement contains the payment terms agreed between the payer customer and the business or merchant.

Among other uses, PayTo could be used as a fast and efficient alternative to the current direct debit system. It supports a range of different payment types, including fixed or variable payment amounts and payment frequencies.

You can:

  • Make easy, quick and secure payments from your bank account.
  • See all the PayTo agreements you’ve set up from your account. You can authorise and maintain your agreements all from the one place.
  • See when your payments are due, so you have enough funds in your bank account to avoid late payment fees or charges.
  • Choose to use either a PayID or a BSB and account number.
  • Rest easy knowing that, because PayTo agreements can be found in your internet or mobile banking app, your information is protected by the same level of security as the rest of your banking data.
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A new payment service

is set to modernise the way Australian businesses

and consumers

use bank accounts for payments.

It’s being developed by the Australian financial services industry,

using the world-class, real-time payment capabilities

of the New Payments Platform.

Introducing PayTo:

a new digital way to pre-authorise payments –

whether one-off or recurring –

directly from a bank account.

PayTo keeps people and business moving.

For payer customers,

it means having more control over payments

that come directly from their bank account.

PayTo a phone bill, flights or music subscription

and then see and manage these

within the security of your existing online or mobile banking.

Here PayTo agreements can be viewed,

moved or stopped from one place…

making life that little bit easier to manage.

For businesses,

PayTo removes the uncertainty of making

and receiving payments from bank accounts.

It's a smarter, more reliable way to support payments,

offering real-time account validation

and notifications at various stages of a payment.

Whether you’re a merchant receiving payments for goods and services…

A business that outsources payroll…

Or a fintech that relies on money moving quickly…

PayTo’s accuracy and instant payments means your business

can run that little bit smoother.

PayTo is set to offer the payments industry

a platform for future innovation.

To find out more, visit:

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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