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HomePaymentsAdd payment methodsReal-time payments

PayTo paymentsInvite only

Learn about PayTo, a real-time payment method in Australia.

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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 30 seconds of the agreement authorization.

  • Customer locations

    Australia

  • Presentment currency

    AUD

  • Payment confirmation

    Customer-initiated

  • Payment method family

    Real-time payments

  • Recurring payments

    Yes

  • Payout timing

    Standard payout timing applies

  • Connect support

    Yes

  • Dispute support

    No

  • Manual capture support

    No

  • Refunds and partial refunds

    Yes, yes

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 only available on the Payment Element or through a direct API integration. It isn’t available in any other Stripe-hosted UIs. 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.

Refunds

Refund PayTo payments by calling the Stripe Refunds API or using the Dashboard. You can refund a PayTo payment up to 2 years after the original payment. Customers typically receive refunds in their bank accounts within 2 days, but some banks might take up to 10 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.

For PayTo payments made using PayID, Stripe sends an email to the customer to collect their bank account details before processing the refund.

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 Stripe Dashboard

Reach out to your Stripe representative to enable PayTo for connected accounts that use the Stripe Dashboard or email us. These connect accounts must onboard manually.

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, follow the instructions to 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.

Bank nameAdditional notes
ANZ (Australia and New Zealand Banking Group)Payments over 25,000 AUD are not accepted by ANZ.
CBA (Commonwealth Bank of Australia)
NAB (National Australia Bank)
WestpacPayments over 25,000 AUD are not accepted by Westpac. Ad-hoc payments for amounts over 1,000 AUD are also declined. Recurring payments with no maximum amount might be declined.
Australian Mutual Bank
Australian Unity Bank
Bank Australia Limited
BankWaW
Bendigo and Adelaide Bank Limited
Beyond Bank Australia Limited
Community First Bank
Credit Union SA
Defence Bank Limited
First Option Bank
Goulburn Murray Credit Union
Great Southern Bank
Macquarie Bank Limited
P&N Bank (Police & Nurses Bank)
People’s Choice Credit Union
Queensland Country Bank Limited
RACQ Bank
Regional Australia Bank
St. George
Suncorp Australia
Teachers Mutual Bank Limited
The Mac Credit Union
Ubank
Unity Bank
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