PayTo will lift your customer experience and how you handle debits
Speed, convenience, and efficiency are among the most important elements of a great customer experience. With PayTo you can achieve, real-time, reliable payments that not only help your business run more smoothly but also brings those CX goals to life.

PayTo, simply better for your customers
PayTo gives your customer confidence and more control on the debits made from their account in the security and familiarity of their existing online banking. The result is less uncertainty for both your business and your customer as each party having a clear view of the status of your digital agreements at bank level.
With PayTo your customers can:
Easily access payment agreements
Simply set up new payments
Clearly view and track transactions from their existing online or mobile banking
PayTo gives your customer confidence and more control on the debits made from their account in the security and familiarity of their existing online banking. The result is less uncertainty for both your business and your customer as each party having a clear view of the status of your digital agreements at bank level.

PayTo, a smart move for your business
Merchants and businesses alike can improve cashflow with the real-time, secure and data rich features PayTo brings.
Real-time account validation
When a digital PayTo agreement is created, the details of the account are instantly verified so if an entry error does occur it’s realised up-front, rather than waiting until the first scheduled payment to the mistake.
Real-time funds verification
Before a debit or payment is attempted, the account balance is checked in real-time, ensuring no bounced transactions saving time and effort on discovery and recovery of dishonours.
Immediate reconciliation
PayTo agreements contain information and data that support easy reconciliation, reducing the number of unidentified payments. How much time would that save your business?
Instant notifications
If a PayTo agreement is paused, changed or cancelled you’ll be notified instantly, so you can act quickly and maintain your customer relationship.
Simple process
Feedback from our clients is our API integration is simple. You can sign up for the Sandbox and try it out for yourself. Explore our PayTo sandbox.
Cost-effective
With no dishonour charges or admin, and a flat fee structure, PayTo could deliver significant cost savings to your business, particularly on high value transactions.
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Early adopters are already benefiting from PayTo
Since switching to PayTo with Monoova for their direct debits, Wagepay are successfully streamlining their pull payments in real-time, reducing wait times and costly dishonours.