PayTo payments

PayTo is a real-time payment method in Australia for accepting one-time and recurring payments. When paying with PayTo, customers authenticate and approve agreements using their mobile banking app.

You get delayed 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 agreement authorization.

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 agreement authorization.

• Account and BSB Numbers: Customers can provide their bank account details to initiate agreement authorization.

In both cases, customers receive a request from their bank to authorize the PayTo agreement. This request typically surfaces through a push notification or by email.

Get started

PayTo is available through Checkout Sessions, on the Payment Element or through a direct API integration. It also supports Billing and Payment Links. PayTo is available as a dynamic payment method, 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 and enable PayTo.

If you prefer to manually list payment methods, learn how to manually configure PayTo as a payment.

Mandates

PayTo mandates allow you to specify the amount, cadence, purpose and allowed period for payments. Set up the least permissive mandate required to collect your payments. However, if you need more flexibility, limit the amount on your mandates because several banks always reject mandates without an amount specified.

Refunds

Refund PayTo payments by calling the Stripe Refunds API or using the Stripe Dashboard. 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 events, and deducts the amount of the dispute and associated dispute fee from your Stripe balance.

Unlike credit card disputes, 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 an agreement and your customer is willing to return the funds to you, they need to make a new payment.

Connect

You can use Stripe Connect with PayTo to process payments on behalf of a connected account. Connect users can use PayTo with the following charge types:

• Direct
• Destination
• Separate charges and transfers

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. For more details, see Enable payment methods for your connected accounts.

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.

See the documentation linked below for more details on bank-specific considerations.