---
title: "PayTo"
description: "Accept PayTo payments with your online payments integration."
url: "https://docs.adyen.com/payment-methods/payto"
source_url: "https://docs.adyen.com/payment-methods/payto.md"
canonical: "https://docs.adyen.com/payment-methods/payto"
last_modified: "2026-06-01T15:33:15+02:00"
language: "en"
---

# PayTo

Accept PayTo payments with your online payments integration.

[View source](/payment-methods/payto.md)

PayTo is currently in pilot phase.

![](/images/6/1/6/b/f/616bfd31469d7b6ee0e140ed78777e8a8a013fee-payto.jpg)  **Read more**

Learn more about PayTo on [payto.com.au](https://payto.com.au).

PayTo is an Australian payment method, that leverages the real-time payment rails of the [NPP (New Payments Platform)](https://www.auspayplus.com.au/brands/nppa). It's an account-to-account payment method that allows for one-off e-commerce transactions, as well as recurring mandates.

A typical payment flow includes:

**First payment**

1. Call [/paymentMethods](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods) to confirm which payment methods are available for the payment, showing PayTo if included in the response.
2. Collect customer details and submit a [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request with the appropriate details. Adyen creates an agreement with the customer's bank, and automatically processes the first (or only) payment once confirmed.
3. The customer will be shown a pending screen while they confirm the payment in their banking app. Successful payment is confirmed via webhook notification from Adyen.

**Subsequent payments**

1. Call [/paymentMethods](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods) providing the `shopperReference` to retrieve your customer's stored payment methods.
2. Present the payment methods for which the available `supportedRecurringProcessingModels` contains **CardOnFile** to your customer.
3. Submit a [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request with the appropriate details including the stored payment token. Adyen will automatically process the payment.
4. The customer will be able to see the transaction in real-time in their banking app. Successful payment is confirmed via webhook notification from Adyen.

| Payment type       | Payment flow | Countries | Currencies | [Recurring](/online-payments/tokenization)                   | [Refunds](/online-payments/refund)                           | [Partial refunds](/online-payments/refund/#refund-a-payment) | [Multiple partial refunds](/online-payments/refund)          | [Separate captures](/online-payments/capture) | [Partial captures](/online-payments/capture/#partial-capture) | [Multiple partial captures](/online-payments/capture/#multiple-partial-captures) | [Chargebacks](/risk-management/chargeback-guidelines) |
| ------------------ | ------------ | --------- | ---------- | ------------------------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------ | --------------------------------------------- | ------------------------------------------------------------- | -------------------------------------------------------------------------------- | ----------------------------------------------------- |
| Real-time payments | Direct       | AU        | AUD        | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![x](/user/data/smileys/emoji/x.png)          | ![x](/user/data/smileys/emoji/x.png)                          | ![x](/user/data/smileys/emoji/x.png)                                             | ![x](/user/data/smileys/emoji/x.png)                  |

## Transaction limits

PayTo payments in Australia are subject to varying transaction limits that differ among banks and depend on the payment type:

* **Subscription (Recurring) Payments**: Many banks set a limit of $1,000 per transaction for recurring PayTo payments. However, some banks allow higher limits, up to $25,000 for recurring transactions.
* **One-Off (Ad-Hoc) Payments**: One-off payments typically have higher limits. Many banks allow one-off PayTo payments of up to $25,000. However, some banks may set lower limits for one-off payments, with daily limits as low as $5,000.

It's important to note that these limits can vary based on factors such as account type, customer verification status, and individual bank policies. Additionally, some banks may allow customers to request higher limits upon verification.

## Bank notifications

The shopper can expect to receive in-app and/or email notifications from their bank for both one-off and recurring payments that are made with PayTo. These notifications could be for the creation or cancellation of mandates and agreements.

For **One-Off (Ad-Hoc) Payments**, a shopper might receive a notification for agreement creation, and then another notification for the cancellation of the agreement. This happens because cancellation will automatically occur once the agreement has elapsed, which happens immediately for one-time payments.

## How do you want to integrate?

[![This is the web icon.](/user/pages/reuse/image-library/01.icons/web/web.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/payto/web)

###### [Web](/payment-methods/payto/web)

[Use our pre-built UI solutions to add PayTo to your website.](/payment-methods/payto/web)

[![This is the iOS icon.](/user/pages/reuse/image-library/01.icons/ios/ios.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/payto/ios)

###### [iOS](/payment-methods/payto/ios)

[Use our pre-built UI solutions to add PayTo to your iOS app.](/payment-methods/payto/ios)

[![This is the Android icon.](/user/pages/reuse/image-library/01.icons/android/android.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/payto/android)

###### [Android](/payment-methods/payto/android)

[Use our pre-built UI solutions to add PayTo your Android app.](/payment-methods/payto/android)

[![This is the API only icon.](/user/pages/reuse/image-library/01.icons/api-only/checkout-api-only.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/payto/api-only)

###### [API only](/payment-methods/payto/api-only)

[Build your own UI for PayTo in your website, iOS or Android app.](/payment-methods/payto/api-only)
