Account-to-account
PayTo uses Australia's bank-payment infrastructure rather than requiring a card for the supported payment flow.
Australian small-business payments
PayTo for small business
PayTo is an Australian account-to-account payment method that lets a customer authorise a payment agreement with a business through their bank. ShaBaas Pay helps eligible Australian businesses use PayTo alongside PayID, payment links, hosted checkout and payment APIs.
Why businesses assess PayTo
Move beyond traditional payment collection workflows
Customer authorisation
The customer reviews and authorises the PayTo agreement through their participating bank before payments are initiated under that agreement.
Payment visibility
Modern payment status and confirmation can support faster operational decisions and reconciliation workflows.
Common small-business use cases
Where PayTo can fit
- Invoice and service payments
- Repeat or scheduled payment arrangements where the supported agreement permits them
- Professional, advisory, education and service businesses
- Payment links and hosted checkout journeys
- Software and platform payment integrations
Availability, bank support, agreement settings, transaction limits and settlement behaviour depend on the applicable payment flow and onboarding arrangements.
Payment-cost context
Reviewing PayTo alongside cards
From 1 October 2026, Australian card surcharging is changing. Businesses that currently add card surcharges should review how card acceptance costs will be recovered and whether account-to-account payments should form part of a broader payment mix. See our small-business guide to the RBA card surcharge changes for the implementation date, cost questions and practical readiness checklist.
Independent industry context
Real-time payments for Australian businesses
ShaBaas Pay's work in real-time account-to-account payments has been covered by FinTech Australia and payments infrastructure provider Monoova. These independent references provide additional context on Australian real-time payments and ShaBaas Pay's small-business focus.
Learn more
Compare and implement PayTo
Assess PayTo for your business
Explore the payment flow, integration options and onboarding requirements with ShaBaas Pay.