# PayTo payments Learn about PayTo, a real-time payment method in Australia. PayTo is a real-time payment method in Australia for accepting one-time and recurring payments. When paying with PayTo, customers [authenticate and approve](https://docs.stripe.com/payments/payment-methods.md#customer-actions) mandates using their mobile banking app or online banking. You get [delayed notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) on whether the payment succeeded or failed. Stripe typically sends a notification of the final status of the payment within 60 seconds of the mandate authorization. #### Payment method properties - **Customer locations** Australia - **Presentment currency** AUD - **Payment confirmation** Customer-initiated - **Payment method family** Real-time payments - **Recurring payments** Yes - **Payout timing** [Standard payout timing](https://docs.stripe.com/payouts.md#payout-speed) applies - **Connect support** Yes - **Dispute support** Yes - **Manual capture support** No - **Refunds and partial refunds** Yes/Yes - **Billing** Yes #### Business locations Stripe accounts in the following countries can accept PayTo payments: - AU ## Verification Requirements Using PayTo requires you to complete additional [identity verification](https://support.stripe.com/questions/common-questions-about-stripe-identity#how-verification-works) steps. We prompt you to complete these steps after you request access from the [Payment methods settings](https://dashboard.stripe.com/settings/payment_methods). If you require further assistance, [contact Stripe support](https://support.stripe.com/contact). ## Payment flows Customers pay with PayTo by using one of the following methods: - **PayID**: Customers can provide a PayID, a unique identifier linked to a customer’s bank account, to initiate mandate authorization. - **Account and BSB Numbers**: Customers can provide their bank account details to initiate mandate authorization. In both cases, customers receive a request from their bank to authorize the PayTo mandate. This request typically surfaces through a push notification or by email. ## Get started PayTo is available through [Checkout Sessions](https://docs.stripe.com/payments/payto/accept-a-payment.md?ui=stripe-hosted), on the [Payment Element](https://docs.stripe.com/payments/payto/accept-a-payment.md?ui=elements) or through a [direct API integration](https://docs.stripe.com/payments/payto/accept-a-payment.md?ui=direct-api). It also supports [Billing](https://docs.stripe.com/billing.md) and [Payment Links](https://docs.stripe.com/payment-links.md). PayTo is available as a [dynamic payment method](https://docs.stripe.com/payments/payment-methods/dynamic-payment-methods.md), which means you don’t have to individually integrate PayTo and other payment methods. If you use the Payment Element, Stripe automatically determines the most relevant payment methods to display. Go to the [Stripe Dashboard](https://dashboard.stripe.com/settings/payment_methods) and enable PayTo. If you prefer to manually list payment methods, learn how to [manually configure](https://docs.stripe.com/payments/payto/accept-a-payment.md) PayTo as a payment. ## Mandates PayTo [mandates](https://docs.stripe.com/api/mandates.md) allow you to specify the amount, cadence, purpose, and allowed period for payments. You don’t need to specify the mandate terms when processing one-off payments. Stripe sets up one-off mandates automatically. To set up the PayTo payment method for recurring payments, specify the least permissive mandate terms required to collect your payments. In any case, limit the amount on your mandates because several banks [always reject mandates without an amount specified](https://docs.stripe.com/payments/payto.md#bank-limits). This table describes mandate fields that PayTo supports. Specify these fields by providing `mandate_options` parameter in `payment_method_options`. For example, see the [mandate_options](https://docs.stripe.com/api.md#create_payment_intent-payment_method_options-payto-mandate_options) parameter in the Payment Intents API. | Mandate field | Description | One-off payments behavior | Recurring payments behavior | | ------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | [amount](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-amount) | Amount that you collect. | Stripe sets [amount](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-amount) to the payment’s amount. You can’t modify it. | Required for `fixed` [amount_type](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-amount_type). You can modify it. | | [amount_type](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-amount_type) | The type of amount that you collect. | Stripe sets [amount_type](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-amount_type) to `fixed`. You can’t modify it. | You can set to `fixed` (charge must equal the [amount](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-amount)) or the default of `maximum` (charge must be equal or less than the [amount](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-amount)). | | [payment_schedule](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-payment_schedule) | The cadence at which you collect payments. | Stripe sets [payment_schedule](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-payment_schedule) to `adhoc`. You can’t modify it. | Defaults to `adhoc`. You can modify it. | | [purpose](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-purpose) | The payment reason according to your *merchant category code (MCC)* (A Merchant Category Code (MCC) is a four-digit number that classifies the type of goods or services a business offers). | You can override the Stripe-inferred value using any of the [valid values](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_options-payto-mandate_options-purpose) if the default value doesn’t accurately represent the purpose of the mandate. The [mandate](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto) will contain the default value when you don’t specify an override. | | [start_date](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-start_date) | Date, in YYYY-MM-DD format, from which payments are collected. | Stripe sets [start_date](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-start_date) to confirmation time. You can’t modify it. | | [end_date](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-end_date) | Date, in YYYY-MM-DD format, after which payments aren’t collected. | Stripe sets [end_date](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-end_date) to no end date (`nil`). You can’t modify it. | Defaults to no end date (`nil`). You can modify it. | | [payments_per_period](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-payments_per_period) | The number of payments that are made during a payment period. | Stripe sets [payments_per_period](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-payments_per_period) to 1. You can’t modify it. | Defaults to 1 except for when [payment_schedule](https://docs.stripe.com/api/mandates/object.md#mandate_object-payment_method_details-payto-payment_schedule) is `adhoc`. In that case, it defaults to no limit (`nil`). You can modify it. | ## Refunds Refund PayTo payments by calling the [Stripe Refunds API](https://docs.stripe.com/api/refunds.md) or using the [Stripe Dashboard](https://dashboard.stripe.com). You can refund a PayTo payment up to 2 years after the original payment. Customers typically receive refunds in their bank accounts within minutes, but some banks might take up to several days to process a PayTo refund. PayTo supports full and partial refunds. You can also issue multiple partial refunds up to the amount of the original charge. ## Disputes If a dispute gets created, Stripe sends both the `charge.dispute.created` and `charge.dispute.closed` *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) events, and deducts the amount of the dispute and associated dispute fee from your Stripe balance. Unlike [credit card disputes](https://docs.stripe.com/disputes.md), all PayTo disputes are final and you can’t appeal them. If a customer successfully disputes a payment, contact them to resolve the situation. If you can come to a resolution and your customer is willing to return the funds to you, they need to make a new payment. ## Connect You can use [Stripe Connect](https://docs.stripe.com/connect/how-connect-works.md) with PayTo to process payments on behalf of a connected account. Connect users can use PayTo with the following charge types: - [Direct](https://docs.stripe.com/connect/direct-charges.md) - [Destination](https://docs.stripe.com/connect/destination-charges.md) - [Separate charges and transfers](https://docs.stripe.com/connect/separate-charges-and-transfers.md) ### Enable PayTo for connected accounts that use the Express Dashboard or a dashboard that isn’t hosted by Stripe To onboard connected accounts that use the Express Dashboard or a dashboard that isn’t hosted by Stripe, request the `payto_payments` capability using the [Capabilities API](https://docs.stripe.com/api/capabilities.md). For more details, see [Enable payment methods for your connected accounts](https://docs.stripe.com/connect/account-capabilities.md). ## Transaction limits and other considerations Across the banks, PayTo performs best for recurring transactions, and transactions below 1,000 AUD. PayTo performance might vary depending on the buyer’s bank, their account type, and the frequency of payments. Each bank can enforce additional measures to manage risk and prevent fraud. The business bank account coverage for PayTo is relatively low compared to consumer coverage. When more banks enable PayTo payments for their business accounts, coverage will increase. See the documentation linked below for more details on bank-specific considerations. | Bank name | Additional notes | | ------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | [ANZ (Australia and New Zealand Banking Group)](https://www.anz.com.au/personal/ways-to-bank/more/pay-to) | Mandates with amounts over 25,000 AUD are rejected. Mandates with no maximum amount are also rejected. View [mandate limits](https://www.anz.com.au/plus/support/payments/payto/payto/#:~:text=PayTo%20payments%20have%20a%20limit,transactions%20larger%20than%20this%20amount.) and [eligible accounts](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/payto-eligible-accounts.pdf). | | [CBA (Commonwealth Bank of Australia)](https://www.commbank.com.au/digital-banking/pay-to.html) | Mandates with amounts over 25,000 AUD are rejected. Mandates with no maximum amount are also rejected. Call center approval might be required for mandates with high-risk characteristics (for example, blank creditor field, high amount). View [eligible accounts](https://www.commbank.com.au/digital-banking/pay-to/faqs.html?ei=EligibleAcc#eligible). | | [NAB (National Australia Bank)](https://www.nab.com.au/personal/online-banking/digital-payments/payto) | | | [Westpac](https://www.westpac.com.au/personal-banking/mobile-wallets/payto) | Mandates with amounts over 25,000 AUD are rejected. Mandates with no maximum amount are also rejected. For high-risk merchants, ad-hoc payments over 1,000 AUD are declined. View [mandate limits](https://www.westpac.com.au/faq/payto-transaction-limit/) and [eligible accounts](https://www.westpac.com.au/faq/payto-eligible-accounts/). | | [Australian Military Bank](https://australianmilitary.bank/) | | | [Australian Mutual Bank](https://australianmutual.bank/banking/access/payto) | | | [Australian Unity Bank](https://www.australianunity.com.au/banking/payto) | | | [Bank Australia Limited](https://www.bankaust.com.au/payto) | View [eligible accounts](https://bankaust.com.au/payto#What-accounts-can't-be-linked-to-a-PayTo). | | [BankSA](https://www.banksa.com.au/online-services/ways-to-pay/payto) | View [mandate limits](https://www.banksa.com.au/online-services/ways-to-pay/ways-to-pay-faqs/payto-faqs) and [eligible accounts](https://www.banksa.com.au/online-services/ways-to-pay/payto). | | [BankWaW](https://www.bankwaw.com.au/Support/Ways-To-Bank/PayTo) | | | [Bendigo and Adelaide Bank Limited](https://www.bendigobank.com.au/ways-to-bank/payto) | | | [Beyond Bank Australia Limited](https://www.beyondbank.com.au/banking/bank-with-us/payto.html) | View [eligible accounts](https://www.beyondbank.com.au/need-help/are-any-accounts-not-eligible-for-payto.html?faq=are-any-accounts-not-eligible-for-payto). | | [Broken Hill Community Credit Union](https://www.bhccu.com.au/) | | | [Central Murray Credit Union](https://www.cmcu.com.au/) | | | [Community First Bank](https://communityfirst.com.au/support/payto) | | | [Credit Union SA](https://www.creditunionsa.com.au/digital-banking/real-time-payments/payto) | View [eligible accounts](https://www.creditunionsa.com.au/help-and-support/faqs/which-accounts-can-i-use-for-a-payto-mandate). | | [Defence Bank Limited](https://www.defencebank.com.au/tools-and-advice/payto/) | | | [First Option Bank](https://firstoptionbank.com.au/payto-tcs/) | | | [Geelong Bank](https://www.geelongbank.com.au/) | | | [Goulburn Murray Credit Union](https://www.gmcu.com.au/pages/2-pages/products-a-services/280-payto) | | | [Great Southern Bank](https://www.greatsouthernbank.com.au/digital-banking/payto) | View [eligible accounts](https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0026/5966/RC00015_Terms_and_Conditions_Brochure_230516.pdf). | | [Horizon Credit Union](https://www.horizoncu.com.au/) | | | [Illawarra Credit Union](https://www.illawarracu.com.au/) | | | [ING](https://www.ing.com.au/) | | | [Laboratories Credit Union](https://www.lcu.com.au/tools-payto.html) | | | [Macquarie Bank Limited](https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payto/whats-payto-and-how-does-it-work.html) | Mandates with amounts over 25,000 AUD are rejected. Mandates with no maximum amount are also rejected. View [eligible accounts](https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payto/whats-payto-and-how-does-it-work.html#tab-panels-0-what-is-payto-). | | [Northern Inland Credit Union](https://www.nicu.com.au/) | | | [Orange Credit Union](https://www.orangecu.com.au/) | | | [P&N Bank (Police & Nurses Bank)](https://www.pnbank.com.au/personal-banking/payto/) | View [eligible accounts](https://www.pnbank.com.au/personal-banking/payto/#faq-answer-4). | | [People’s Choice Credit Union](https://www.peopleschoice.com.au/help-and-support/faqs/fast-payments/what-is-payto-and-how-can-it-be-used) | View [eligible accounts](https://www.peopleschoice.com.au/help-and-support/faqs/fast-payments/what-accounts-are-eligible-for-payto-payments). | | [Police Credit Union](https://www.policecu.com.au/) | | | [Queensland Country Bank Limited](https://www.queenslandcountry.bank/help-info/faqs/payto) | | | [RACQ Bank](https://www.racq.com.au/banking/online-banking/payto) | View [eligible accounts](https://www.racq.com.au/help-contact?category=bank#faqs_q=payto&faqs_e=0). | | [RBA (Reserve Bank of Australia)](https://www.rba.gov.au/) | | | [Regional Australia Bank](https://www.regionalaustraliabank.com.au/the-inside-story/articles/introducing-payto) | View [eligible accounts](https://www.regionalaustraliabank.com.au/the-inside-story/articles/introducing-payto). | | [South West Slopes Credit Union](https://www.swscu.com.au/) | | | [St. George](https://www.stgeorge.com.au/online-services/ways-to-pay/payto) | View [mandate limits](https://www.stgeorge.com.au/online-services/ways-to-pay/ways-to-pay-faqs/payto-faqs) and [eligible accounts](https://www.stgeorge.com.au/online-services/ways-to-pay/payto). | | [Suncorp Australia](https://www.suncorp.com.au/banking/help-support/ways-to-bank/payto.html) | View [eligible accounts](https://www.suncorp.com.au/banking/help-support/ways-to-bank/payto.html#eligible-payto). | | [Teachers Mutual Bank Limited](https://www.tmbank.com.au/ways-to-bank/npp-payto/introducing-payto) | View [eligible accounts](https://www.tmbank.com.au/ways-to-bank/npp-payto/getting-started). | | [The Mac Credit Union](https://themaccu.com.au/support/faqs/payto-faqs) | | | [Ubank](https://www.ubank.com.au/help/current/app-and-online-banking/payto/which-accounts-are-eligible-for-payto) | | | [Unity Bank](https://www.unitybank.com.au/savings-osko-payments-payto.html) | | | [Warwick Credit Union](https://www.wcu.com.au/) | |