How does PayTo work?

Once you have given a business or merchant your bank details, the business or merchant will set up a payment agreement called ‘PayTo agreement’ that will appear in your Online Banking/Mobile App. This is where you authorise how much, and when, you will pay for goods or services.

Once you have authorised the agreement, the business or merchant will start debiting your account according to the terms you agreed upon. Payments will be made via NPP.

The PayTo service is offered by businesses and merchants who have opted into the PayTo scheme. If you want to know if a certain business or merchant offers a PayTo agreement option, it’s best to contact them directly.

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