Product
Featured
PayTo Agreement Management
Learn how to manage the full lifecycle of PayTo agreements including pause, cancel, amendment and dispute flows.
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ShaBaas Pay Resource Centre
Guides for Australian businesses
Practical guidance on PayTo, PayID, real-time payments, reconciliation, pricing and payment integrations.
Resource library
Guides by topic
Browse practical guides by topic, payment method and implementation need.
Industry
Featured
PayTo Agreements
A PayTo agreement is a digital payment authorisation that allows a business to initiate payments from a customer account under agreed terms.
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Industry
Featured
PayTo API for Platforms
PayTo APIs allow platforms and SaaS businesses to create, manage and collect authorised payments directly from customer bank accounts.
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Industry
Featured
PayTo Bank Coverage
Learn what PayTo bank coverage means for go to market including customer approval flows, agreement management and checkout messaging.
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Engineering
Featured
PayTo Implementation Checklist
A step by step PayTo implementation checklist for SaaS and platforms covering consent flows, UX, risk controls, webhooks and go live readiness.
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Industry
Featured
PayTo Pricing Comparison
Understand PayTo pricing and compare costs against cards and direct debit including operational costs, failure rates and total cost modelling.
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Engineering
Featured
PayTo Reconciliation
A practical guide to PayTo reconciliation covering payment references, reporting exports, exception handling and accounting workflows.
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Industry
Featured
PayTo vs Direct Debit
Compare PayTo and direct debit for business payments across authorisation, customer control, settlement experience and operational risk.
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Industry
Featured
PayTo vs PayID
PayTo vs PayID for Australian businesses and where each method fits in payment workflows.
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Engineering
Featured
RBA Card Surcharge Ban for Small Business
Australia will remove card payment surcharges from October 2026 following the Reserve Bank of Australia's review of retail payments regulation.
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Corporate
Featured
Real-Time Payments for Australian Businesses
Real-time payments are transforming how Australian businesses send and receive money with payment status updates and faster access to funds, subject to method, institution and checks.
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Fintech
Featured
How Real Time Payments Are Transforming Business in Australia
Real time payments are reshaping how Australian businesses manage cash flow, reconciliation, and customer experience on the New Payments Platform.
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Product
Featured
How Faster Payments Improve Cash Flow
Cash flow challenges affect even profitable businesses. Faster payment systems help growing companies gain better financial control and scale with confidence.
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Product
Featured
Real-Time Payments vs Traditional Bank Transfers
Not all payment methods are the same. Compare how real-time payments differ from traditional bank transfers for modern businesses.
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Engineering
Featured
The Role of Secure Payment Infrastructure in Modern Fintech
Security and compliance are critical in fintech. Learn why robust payment infrastructure is essential for protecting users and supporting scalable growth.
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Industry
Featured
What Is PayTo?
PayTo is an Australian payment solution that allows businesses to initiate real time payments from customer bank accounts after explicit approval.
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