The PayTo A2A revolution is here
PayTo is set to transform the future of payments. Slay credit card fees, reduce fraud and catch failed payments with real-time Direct Debit.
Launching mid 2022. Be first-to-market with this game-changing technology.
Revolutionise your payments with PayTo!


Our investment in PayTo is part of our continuing commitment to provide customers with the best experience, from policy discovery to payments. Our staggered deploymnet of PayTo will set a new standard for the insurance industry and positions BizCover as an early adopter of payment technology that will drive secure, fast and simple transactions for our customers.
Brad Miller, General Manager, BizCover


Merchants spent $5b on credit card fees in 2020*
And lost another $2.5b to fraud over the past 5 years
You need a payment system that serves you better. A system where you get:
Instant payment confirmation
Low fees
Secure transactions
Unrestricted transparency
Scalable, automated processes
*Source: Payment Card Analytics, Global Data April 2021
Introducing PayTo + GoCardless
Instant, flexible and variable direct debit that’s revolutionising one-off and recurring payments


PayTo Instant Direct Debit payments: 24/7, 365
Direct Debit has entered the fast lane.
PayTo is the latest innovation from Australia’s New Payments Platform (NPP) and financial services industry.
Faster, smarter and more secure, PayTo lets customers link their bank accounts to apps, subscriptions, membership fees, energy bills, loan repayments or buy now, pay later services. 24 hours a day. Every day of the year.
These “payment agreements” instantly authorise your business to initiate payments from their bank account. Approval is only required once, making it seamless for both one-off and recurring payments.
With 75 million accounts already linked via the NPP, PayTo is set to reshape the Australian payments space.
Curious?

What can PayTo + GoCardless do for your business?
Slash payment processing costs
Finally, direct debit is providing real competition for credit cards. With instant transactions, automated processes and better control for both you and your customers, PayTo offers an attractive alternative to credit cards. So your costs come down, and stay down.

Catch fraud before it happens
PayTo is the fastest and safest way to make A2A transactions. With GoCardless and PayTo, you’ll know in real-time that your customer’s bank account details have been fully verified. Pre-populated bank account information protects conversion while reducing your exposure to fraud.

More stable, more secure
Wave goodbye to failed payments. Unlike credit and debit cards, bank accounts don’t expire. And if your customer changes banks or bank accounts? PayTo agreements go with them. Without you having to lift a finger.


Get payment confirmation in an instant
Don’t wait to find out. PayTo offers real-time verification, confirmation of payment success, and payment reconciliation. So you’ll know whether a transaction has been successful in seconds, not days.

Win back your customer before you lose them
Get total transparency on your payments. PayTo instantly notifies you when a customer pauses, changes or cancels their payment agreement. So you can easily win back your customers with data-driven conversations.



Seamless integration with your current software
PayTo will quickly and easily integrate with your existing workflow.
We’re partnering with leading billing and CRM platforms so you can smoothly integrate PayTo into your payments process.
Need custom integration? Our simple API offers hassle-free integration. And we’ll help you migrate legacy direct debit agreements with ease.
PayTo is ideal for:

Instant first + subscription payments
PayTo is transforming subscription payments with instant payment notifications and single setup requirements. Not only can you collect initial setup fees or hardware costs up front, initial and recurring payments are now approved in one go.

BNPL Installments
With PayTo, your customer’s bank account is instantly verified, drastically reducing your exposure to fraud. You’ll also be able to see when a payment agreement is paused, changed or cancelled, allowing you to take action and improve customer experience with data-driven conversations.

Digital streaming
Need to verify your customers instantly? PayTo’s real-time account validation and notifications remove the uncertainty of traditional direct debit. So you can offer a secure, low-fee alternative to credit cards for your digital streaming platform.

Card-on-file payments, but better
PayTo can be set up to work just like card-on-file. Direct debit offers a more secure option to credit cards, which can expire, get lost or be stolen at any time. PayTo pulls payments from your customer's bank account so you can stop paying hefty credit card fees and stamp out failed payments.


Want to dig deeper?
GoCardless PayTo University. Get instant access to this engaging self-paced course where you'll learn everything you need to know about PayTo and how to implement it seamlessly into your current payment process. Join PayTo University and lead the direct debit revolution.
Move at the speed of innovation
Old systems are clunky systems, which is why most major banks won’t be ready for PayTo until 2023.
GoCardless is launching PayTo products in mid 2022, when PayTo goes live.
Join a 75 million-strong payments platform. Be first to market with the cutting edge solution that’s about to revolutionise payments in Australia.

