TAKE THE REINS ON PAYMENTS WITH PAYTO

Visibility and control over your payments.

What is PayTo®?

PayTo® - a new and secure payment option that gives you visibility and control over your payments from your bank account. 

  • View, authorise, cancel or pause your PayTo payments.
  • Keep track of recurring bills and ongoing payments.
  • All managed in Westpac Online Banking or the Westpac App.

PayTo is an industry payment initiative, developed by New Payments Platform Australia (NPPA), a wholly owned subsidiary of Australian Payments Plus, Australia's domestic payment organisation that also includes BPAY® Group and eftpos.

Why choose to pay with PayTo?
 

Security
 

All new PayTo agreements need to be authorised by you in Online Banking or the Westpac App before a business can take a payment.

 

Simplicity
 

It's easy to set up PayTo with either your PayID or eligible BSB and account number.

 

Visibility
 

You can see all your PayTo agreements in one place and know when payments are due to come out of your account.

 

Flexibility
 

It's easy to switch the Westpac accounts linked to your PayTo agreements, or to pause or cancel agreements at any time.

How to use PayTo

Watch the following video, or read the steps below to see how easily you can set up and use PayTo.

The Business Network Administrator will switch on PayTo and allocate users and permissions.  

 

Look for the PayTo symbol when setting up recurring bills or paying for Business supplies.

 

Enter your PayID or eligible BSB and account number.

 

Allocated Network users will receive a notification to review and authorise the new PayTo agreement.

 

Congratulations! You can now view, pause or cancel your PayTo agreements at any time in Online Banking or the Westpac App.

FAQs

Which accounts are eligible for PayTo?

Personal accounts:

•  Westpac 55+ and Retired

•  Westpac Choice

•  Westpac Choice Basic

•  Westpac Choice Plus package

•  Westpac Choice Student

•  Westpac Choice Youth

•  Westpac DIY Super Working Account

 

Business accounts:

•  Bank Bill Business Loan

•  Business Account

•  Business Cheque Account

•  Business Cheque Plus Account

•  Business Loan

•  Business Overdraft

•  Cheque Account

•  Project Trust Account - QLD

•  Retention Trust Account - QLD

•  Statutory Trust Account - Controlled Money A/c

•  Statutory Trust Account - Conveyancers

•  Statutory Trust Account - Motor Dealers

•  Statutory Trust Account - Real Estate Agents

•  Statutory Trust Account - Solicitors*

•  Westpac Agri Finance

•  Westpac Business Equity Access Loan

•  Westpac Business One

•  Westpac Business One Plus

•  Westpac Cash Investment Account

•  Westpac Community Solutions One

•  Westpac Strata

*not all Statutory Trust Accounts are eligible

 

Corporate Accounts

•  Cash Management Account

•  Corporate Cheque Account - Basic

•  Corporate Cheque Account - Regulated Interest

•  Corporate Cheque Account - Standard Interest

•  Security Investment Account

•  Segment account

•  Set-Off Account

Select PayTo as a payment option at a participating merchant or business and provide them your BSB and Account number or PayID.

 

A PayTo agreement will be sent to you in your Online Banking, which you can review and authorise.

 

Use the following directions to log in to Online Banking or the Westpac App to review and authorise the PayTo agreement.

 

Personal or Sole Trader:

  • Online Banking: Service > Services > Account services > PayTo agreements
  • Mobile Banking:  Search PayTo > select PayTo agreements

 

If you’ve been given Shared Access (Personal Network) to an account, and can’t see the PayTo option, you will need to contact the Account Owner, as they will need to allocate the PayTo feature for you in Online Banking. 

 

Business Network:

  • Online Banking: Service > Services > Account services > PayTo agreements
  • Mobile Banking: Profile > Payments > Payment agreements > PayTo agreements

 

Business Network Administrators: Before a PayTo agreement can be received, you’ll need to switch on the PayTo feature in Online Banking, allocate users and set permissions. If PayTo isn’t switched on, or there are no users selected, the PayTo agreement will be automatically declined, and you’ll need to contact the biller to re-send it. 

 

Business Network users: If don’t see the PayTo option, contact your Network Administrator and ask them to provide you access to PayTo.

 

Once a PayTo agreement is authorised, payments will be debited as per the terms.

PayTo is a new digital alternative to the existing Direct Debit payment method, allowing you to manage payments from your bank account. Giving you more visibility and control through Westpac Online Banking or the Westpac App, PayTo can be used to process both regular scheduled payments like a Direct Debit, or one-off real-time payments like a credit or debit card. 

PayTo works in the same way as other Online Banking features for networks – an account administrator will need to turn the feature on and select users and their levels of permissions.

 

Network Administrators – how to turn on PayTo:

Sign in to your Business Network profile in Westpac Online Banking via a Desktop:

1.      Turn on PayTo

a. Go to the Administration menu option and then Features and approvals

b. Select Manage PayTo agreements and set the number of approvers you require.

c. Select Manage restricted payment frequency PayTo agreements (if you choose to) and set the number of approvers.

2.      Allocate users and set permissions

a. Go to the Administration menu option and then User Administration and select the user you want to grant permission to.

b. Under Account and service accounts, select the target account, and in the Select features pop up, select Manage PayTo agreements and click Update

c. Repeat this process for all relevant accounts.

d. Under Other Permission for the user, select Manage restricted payment frequency PayTo agreements if required for this user.

 

Note: Pausing, resuming or cancelling a PayTo agreement only requires one user (who has the Manage PayTo agreements feature allocated). Please keep this in mind when allocating users for PayTo.

 

See all FAQS

Things you should know

Read the Westpac PayTo Terms and Conditions (PDF 187KB) , Westpac Online Banking Terms and Conditions (PDF 408KB) , Westpac Personal Telephone Banking Terms and Conditions (PDF 518KB) and Westpac Group Telephone Banking Terms and Conditions (PDF 810KB) before making a decision and consider whether the product or service is right for you. Online Banking is subject to outages from time to time.

 

BPAY is ® Registered to BPAY Pty Ltd ABN 69 079 137 518.

 

PayID® and PayTo® are registered trademarks of NPP Australia Limited.