Online Payments
PayTo

Unlock instant payments with PayTo and MuliPay

Step into the new era of direct bank payments with PayTo and MuliPay. This next-gen solution offers real-time, secure, low-cost transactions—perfect for both one-off and recurring payments.

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Payment Method
Choose your payment method
What is PayTo?

The new standard in
direct debit payments

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
Customer initiates payment
Transaction processed
Real-time
Merchant receives funds immediately
Real-time
Confirmation sent to customer
Real-time

The direct debit 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.
Cost-effective
Save on transaction fees compared to credit card payments, helping businesses keep more of their revenue while enhancing cash flow.
Data-rich insights
Access detailed transaction data to streamline reconciliation processes and gain valuable payment insights.

Get ahead of the curve!

While many banks and payment systems are still building their PayTo integrations, MuliPay is ready to go. Be one of the first to offer real-time, secure transactions to your customers. Get ahead of the competition with PayTo through MuliPay!
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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
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.
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
Google Pay
Trusted digital wallet linked to your Google account
Apple Pay
Digital wallet of choice for iOS users
PayTo
Australia's modern payment option with instant processing
BPAY
Popular Australian payment service for bills and invoices

Start accepting Payto with MuliPay today.

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