Online Payments
PayTo

Recurring payments have entered a new era

MuliPay brings the power of PayTo® to your business — a modern alternative to traditional Direct Debit with secure digital authorisation, real-time payment processing and notifications when payments succeed or fail.

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What is PayTo?

Revolutionising payments:
The future of direct bank transactions

Traditional
direct debit (T+2 days)
Customer initiates payment
Transaction processed
Day 0
Funds held for 2 days
Merchant receives funds
Day 2
Confirmation sent to customer
Day 2
Instant processing
with PayTo via MuliPay
Payment is initiated through PayTo agreement
Transaction processed
Merchant receives funds
Confirmation sent to customer

The direct bank payment revolution is here.

PayTo is Australia’s latest innovative payment method enabling businesses to receive payments instantly from customer bank accounts. With real-time processing—from customer verification to settlement—PayTo makes account-to-account payments faster and more secure.

Instant settlement

Payments are processed and settled in real-time, eliminating the traditional T+2 day delays and allowing businesses to access funds immediately.
Real-time verification
Account details and fund availability are confirmed instantly, reducing failed payments, chargebacks and customer disputes.
Enhanced security
With customer pre-authorisation, you reduce risks of unauthorised payments, giving your customers peace of mind.
Always-on availability
PayTo processes payments 24/7, including weekends and holidays, so transactions continue uninterrupted.
1-click repeat payments
Once a PayTo Agreement and passkey are set up, customers can make subsequent payments with one click — no bank details or banking app required.
Data-rich insights
Access detailed transaction data to streamline reconciliation processes and gain valuable payment insights.

Easily launch and manage PayTo payments on MuliPay

Our dedicated team at MuliPay ensures a seamless PayTo experience for you. Activate PayTo quickly with our straightforward setup and management:
  • Easy, seamless integration
  • Dedicated customer support
  • Instant notifications
  • Transparent pricing and no hidden fees
  • Robust analytics and reporting tools
  • 1-click repeat payments
How it works

Paying with PayTo

1
Select PayTo
At checkout, customers choose PayTo from the list of available payment options.
2
Enter bank details
Customer provides either their PayID or bank account details to initiate authorisation.
3
Authorise payment
Customers receive a secure authorisation request from their bank to approve the transaction.
4
Payment completed
Both the customer and merchant receive instant confirmation of the completed payment.

Save a passkey for future payments

Customers can use their passkey to make subsequent payments with one click, without returning to their banking app.
PayTo use cases

PayTo fits right in

Offer a suite of payment methods via MuliPay

Mastercard

Market leading card scheme with global acceptance
Visa
One of the largest card networks worldwide
American Express
Premium card provider known globally
BPAY
Popular Australian payment service for bills and invoices
Direct Debit
Bank account payments processed through BEC
PayTo
Real-time bank payments via the New Payments Platform
PayId
Instant account-to-account transfers in Australia
Google Pay
Trusted digital wallet linked to your Google account
FUTURE RELEASE
FUTURE RELEASE
Apple Pay
Digital wallet of choice for iOS users
Start accepting Payto with MuliPay today.
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