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Find ANZ Contact

PayTo for businesses

Take control of cash flow with automated reconciliation, and give your customers a faster, safer and easier way to pay.

Send and receive real-time payments direct from bank account to bank account.disclaimer

What is PayTo

PayTo® is a new way for businesses to collect real-time payments from customers 24/7 using either their PayID® or BSB and account number.disclaimer

Your eligible customers set up once-off or recurring payments and manage them via their banking channel for greater visibility and control.disclaimer And you get fast settlement of funds embedded into your payment journeys for a smoother, tailored experience.

Why use PayTo

PayTo lets you know when you’ve been paid and gives you quicker access to cashflow. The data-rich payments enable automated transaction identification and matching for zero-effort reconciliation. And built-in account validation can help reduce fraud and failed payments.

Real-time payments and information

PayTo payments clear and settle 24/7, and you receive payment success/failure notifications for each individual transaction - so you can act faster when needed.disclaimer

Zero-effort reconciliation

With automated transaction reconciliation, and flexible payment fields and reference details, PayTo reduces risk of customer errors and streamlines reconciliation of payments and receivables.

Improved customer experience

Your customers can view, authorize and manage their PayTo agreements in their digital banking channel. And you can offer flexible payment options like splitting and scheduling payments.

Flexible and reliable

ANZ’s PayTo service and capabilities are built in-house to offer you a bank-grade solution backed by our extensive real-time payments expertise.

How to start receiving PayTo payments 

ANZ is ready to help. Please contact your ANZ Relationship Manager, Account Manager or the ANZ Transaction Banking team for more on how PayTo can support your business and customers, or to integrate PayTo into your business.

Useful resources

ANZ first major bank to launch PayTo service for Billers

Four ways we are in a new era of payments

PayTo industry information from Australian Payments Plus

From aerospace to zinc
and just about everything in between

ANZ Institutional supports customers across a wide range of industries operating domestically or moving goods and capital across Asia-Pacific and beyond.

 

Visit supported industries

 

Speak to us about our banking solutions

 

If you're an existing customer
speak to your ANZ Relationship Manager
or Account Manager


For general enquiries 
from within Australia

Call 1300 883 798

 


For general enquiries
from overseas

Call +61 3 9601 1260

 

Important information

View our full set of relevant disclosures.

For the latest forms, rates and terms for our banking solutions, please visit Important resources and forms.

PayTo and PayID are registered trademarks of NPP Australia Ltd.

Real time payments have fast clearance times with most expected to appear in accounts within 30 seconds of reaching the payer bank. We process PayTo payments 24 hours a day, 7 days a week. Temporary service disruptions may occur. Please refer to the product terms and conditions for details on ANZ’s service availability.

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PayTo operates via the NPP, the real-time payments infrastructure used by ANZ and other participating financial institutions to send and receive payments faster between eligible accounts. To be eligible for PayTo, the customer’s account must be enabled for NPP payments.

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