PayTo (NPP Australia)
Country: Australia (AU) | Payment Rail: real_time_payment
RealTimePayment
Market Adoption: 30%
PayTo is Australia's NPPA real-time interbank account pull auto-debit scheme replacing traditional direct debit.
🔄 User Payment Flow
- Customer selects PayTo at checkout and provides PayID or Bank BSB / Account number
- Customer opens Australian mobile banking app (Commonwealth Bank, NAB, Westpac, ANZ)
- Customer approves PayTo agreement mandate in banking app
- Bank clears payment in real-time and activates automated recurring billing
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API passes PayTo mandate agreement payload to acquiring gateway (Stripe / Adyen / Monoova)
- PSP lodges PayTo agreement directly with NPPA clearing engine
- PSP receives PayTo real-time settlement webhook notification
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Stripe🔌 Adyen