TAKE THE REINS ON PAYMENTS WITH PAYTO
Whether you're setting up recurring bills, memberships or subscriptions, paying one-off bills, or shopping online, PayTo gives you the power to securely authorise and manage payments from your bank account.
PayTo is here:
When it comes to your money, visibility and control is everything. With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account. You can also pause and cancel your PayTo agreements at any time. That means no nasty surprises when payments are deducted.
What is PayTo®?
PayTo® is a new, secure payment option that gives you more visibility and control over payments from your account.
- View, authorise, cancel or pause your PayTo payments in Online Banking or the Westpac App.
- Easily keep track of recurring bills and ongoing payments like subscriptions and memberships.
- Make payments direct from your eligible account knowing your payment details will only be stored in a secure independent system.
It was 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.
You’ll start seeing PayTo as an option for all kinds of payments, so keep an eye out for it.
Why use 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 PayTo works
Watch the following video, or read the steps below to see how easily you can set up and use PayTo.
Look for the PayTo symbol when you're setting up recurring bills, memberships or subscriptions, or paying one-off bills, or shopping online.
Enter your PayID or eligible BSB and account number.
Review and authorise your new PayTo agreement on your phone or desktop.
Congratulations! You can now view, pause or cancel your PayTo agreements at any time in Online Banking or the Westpac App.
FAQs
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
To start using PayTo, you’ll need to provide your PayID or BSB and Account Number to a participating business. They’ll send you a PayTo agreement, which will appear in your Online Banking. Once you’ve reviewed and authorised the agreement, payments will be debited directly from your nominated account as agreed with the business.
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.
You can pause or cancel a PayTo agreement at any time in Westpac Online Banking or the Westpac App.
Log into Westpac Online Banking or the Westpac App
- Online Banking: Service > Services > Account services > PayTo agreements
- Mobile Banking: Search PayTo > select PayTo agreements
Open the PayTo agreement, scroll to the bottom of the page, press Pause or Cancel. Follow the next screens to confirm.
Once your agreement is paused or cancelled, we’ll contact you to confirm the action. The business you have the PayTo agreement with will also be notified.
In most cases you should check with the business (biller) before you cancel or pause an agreement as they won’t be able to debit any further payments until the agreement is resumed or you authorise a new agreement. Pausing or cancelling a PayTo agreement doesn’t affect any contractual obligations you may have agreed to with a merchant or business.
Note:
- Joint accounts with more than one to authorise, it will only take one account holder to pause or cancel a PayTo agreement.
- Business Network Administrators: If you select that more than one Network user is required to authorise a PayTo agreement, please note it only takes one user (who you have provided PayTo permissions) to pause, resume or cancel a PayTo agreement.
Things you should know
Read the PayTo Terms and Conditions (PDF 187KB), Westpac Online Banking Terms and Conditions (PDF 1MB), and Westpac Personal Telephone Banking Terms and Conditions (PDF 215KB) 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.