RapidBoltBank-to-bank payments
PayTo lets a business initiate payments from an Australian bank account under an agreement authorised by the account holder. No card is needed.
EMG · Australian business payments
PayTo.
Bank payments,
under your control.
A digital way to authorise one-off or recurring payments directly from an Australian bank account.
Information only: PayTo is not currently enabled on this website. Confirm available payment methods with EMG before placing an order.
A clearer way to authorise
What is PayTo?
PayTo is an Australian payment service built on the New Payments Platform. It allows a business to request an agreement to debit a customer’s bank account, with the customer authorising that agreement through their bank.
The agreement sets out who is being paid and the payment terms. It can support a single payment or an ongoing arrangement, without relying on a stored credit card.
Clarity. Authorisation. Control.
The payment moves faster.
The approval stays with you.
Real-time visibility
PayTo supports real-time payment processing and notifications, helping businesses confirm payment status. A provider’s payout schedule is separate from payment confirmation.
Approval in your bank
Review and authorise the payment agreement in your own supported internet or mobile banking. You do not give the supplier your banking password.
Control stays with you
View, pause or cancel agreements through your bank. Payments must follow the authorised terms; cancelling an agreement does not cancel an underlying invoice or contract.
From agreement to payment
How PayTo works
01
Agree the payment terms
The business creates a PayTo agreement identifying the payee, amount or limits, and payment timing. One-off and recurring arrangements are possible.
02
Authorise with your bank
Your bank asks you to review the agreement. Check the payee and terms, then approve it through your banking service before payments can be initiated.
03
Pay under the agreement
The business initiates payments within those terms. Payment success depends on factors including available funds, account eligibility and bank or provider checks.
For procurement & accounts teams
One-off invoices.
Ongoing supply.
Agreed terms.
PayTo can support different business payment arrangements. Any use for an EMG order would first need to be agreed and made available through a connected payment provider.
One-off orders
An agreement may authorise a single payment for an invoice or deposit.
Recurring supply
An ongoing agreement can specify recurring payments and approved limits.
Project milestones
Scheduled or variable payments can be supported within the agreement and provider capabilities.
Before you authorise
Your PayTo questions,
answered.
Learn more from PayTo and GoCardless Australia. General information only; bank support, provider fees, payment limits and payout timing vary. EMG does not represent GoCardless or claim a provider partnership.
Discuss your next order.
Confirm supply requirements and available invoice payment options with EMG.