PayTo

PayTo is Australia’s modern replacement for direct debit, built on the New Payments Platform. Instead of a paper-era mandate, your customer authorises a digital agreement inside their own banking app. You can then pull real-time payments against it, any time of day.

With Squarepay you can create agreements, take payments, and handle the full lifecycle of amendments, pauses and recalls through one API. Settlement is instant and available around the clock, and our sandbox lets you simulate every agreement and payment outcome before you go live.