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Power a modern, flexible, account-to account payment experience with PayTo®

PayTo is the next evolution of payments in Australia, offering real-time, direct from banking app, account-to-account payments.

Worldpay for Platforms makes it easy to embed PayTo into your platform so merchants can get paid faster, reduce fraud, and improve the customer experience.

(Available in Australia only)

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Simplify payments. Improve cash flow. Strengthen trust.

PayTo enables merchants to receive payments in real time - no cards, no delays. With pre-authorised agreements and bank-grade security, PayTo minimises fraud and operational overhead while improving cash flow.

Real-time payments

Funds move instantly - no waiting days like with traditional direct debit.

Reduced fraud and chargebacks

Consent authorised through customer banking apps, no card data required.

Frictionless experiences

Customers approve payments in seconds from their bank app, easy and trusted.

One API. Every payment type

Offer PayTo, credit, debit, and POS, all in one embedded, white-label solution that’s built for scale.

Get real-time. What you can do with PayTo

  • Embed PayTo using REST APIs and pre-built onboarding flows
  • Reduce payment failures with real-time validation and approvals
  • Enable real-time settlements for merchants 
  • Cut processing costs compared to cards or traditional direct debit 
  • Support recurring, one-off, or variable payments with ease
  • Obtain seamless payer authorisation via mobile banking apps 

What is PayTo?

PayTo is Australia’s new account-to-account payment system. It replaces outdated direct debit with faster, smarter, and more secure payment experiences.

Download our e-book Get the PayTo brochure

Payment experiences designed for your software

Unleash powerful Embedded Payments technology that delivers on a better experience.