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PayToAustralia

Get paid with
PayTo.

Real-time payment method in Australia for accepting one-time and recurring payments.

Create your linkFree generator
Free to start Setup in 2 minutes Via Stripe · Mollie · PayPal
pay.payrequest.io/project-deposit
P
Your Business
Project deposit
Total
€150.00
Pto
Pay with PayTo
Selected
Pay €150.00
Definition

What is PayTo?

PayTo is a real-time payment scheme in Australia that lets customers pay instantly from their bank app — no card needed.

PayTo is a bank-authenticated payment method built for Australia. Instead of typing card numbers, the customer is redirected to their own banking app, confirms the payment with biometrics or a PIN, and the funds settle within seconds. Real-time payment method in Australia for accepting one-time and recurring payments.

With PayRequest, you can create a PayTo payment link in under a minute and send it via WhatsApp, email, SMS, or a printed QR code. The same link automatically shows PayTo to local customers and falls back to card, Apple Pay or other wallets for everyone else — one URL covers every market.

Because PayTo is bank-confirmed, chargebacks effectively don't exist and conversion is dramatically higher than card in its home market. PayRequest itself charges 0% — you only pay your provider's standard PayTo fees.

Why PayTo

Everything you need. Nothing extra.

Instant settlement
Funds confirm in seconds — no chargebacks, no holds, no waiting.
Bank-app checkout
Customers confirm inside their own banking app with biometrics.
Bank-authenticated
Each payment is approved by the customer's bank. Fraud is essentially zero.
Higher local conversion
Local schemes outperform cards in their home market — customers trust what they know.
Lower fees than card
Real-time payments are typically far cheaper than card processing.
Same link, every method
Customers in other regions automatically see card, Apple Pay or PayPal.
PayTo payment link

One link. PayTo ready.

  • Send the link via WhatsApp, email, SMS, or QR — PayTo works everywhere
  • Mobile-first: customers confirm in their bank app with one tap
  • Same link automatically shows PayTo to local customers and other methods to everyone else
  • QR codes built in — perfect for in-person, market stalls, and printed invoices
  • Combine with security deposits, recurring billing, or one-off invoices
Start free
3 steps
01
Create your link
Set the amount, add a description, choose PayTo as a payment method.
02
Share anywhere
WhatsApp, email, SMS, QR — copy the link, paste anywhere.
03
Get paid
Customer taps the link, pays with PayTo, money lands in your account.
FAQ

PayTo payment links

How does a PayTo payment link work?
You create a link in PayRequest and send it to your customer. They open the link, pick PayTo, get redirected to their bank app, and confirm. The whole flow takes a few seconds.
What does PayTo cost?
PayTo fees come from your payment provider (Stripe or Mollie) — typically a flat fee per transaction or a low percentage. PayRequest itself charges 0% on top — €20/month for the full billing CRM.
Where does PayTo work?
PayTo is the local real-time scheme for Australia. Customers from other markets see different methods automatically — your single link adapts.
Can I send a PayTo link via WhatsApp?
Yes — copy the payment link and paste it into any channel: WhatsApp, SMS, email, social media. The customer taps the link and PayTo is right there.
Do I need a special account for PayTo?
No. PayTo is enabled automatically when you connect your payment provider to PayRequest. No separate contract required.

Send a PayTo link in 60 seconds

Free to start. No card required. Connect your provider, share a link, get paid.

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