Europe, Middle East & Africa
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Asia Pacific
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Coming soon: real-time pull payments —


PayTo is a new service allowing businesses to initiate real-time payments from their customers’ bank accounts. It will arrive in Australia around mid-2022 and Zai is working closely with New Payments Platform Australia (NPPA) to deliver a suite of best-in-class solutions to support it.

PayTo ensures payments will be more efficient and less complicated for businesses and customers and Zai will allow businesses to plug seamlessly into the PayTo service, providing their customers with a revolutionary new way to manage their payment arrangements.

Read our article, Introducing PayTo - Australian payments made better to find out what it’s all about or our interview with Kartina Stuart of NPPA to find out how it all came together.

Customer making a bill payment by BPAY
Efficient and secure —

How PayTo benefits businesses

  • Real-time account validation

  • Real-time funds verification

  • Real-time notification of payment outcomes

  • API support for seamless processes

  • Easy reconciliation

  • Notifications

  • Centralised, accessible and secure storage of PayTo agreements

User looking at phone after receiving a notification after making a bill payment by BPAY
Flexible and convenient —

How PayTo benefits consumers

  • Fast, secure payment options

  • Greater visibility and control over payments from bank accounts

  • Manage PayTo agreements through internet or mobile banking

  • Secure storage and visibility of all PayTo agreements

  • Porting mandates

  • Choice of either PayID or a BSB and account number for maximum flexibility

Customer using her mobile phone to make a bill payment by BPAY to utility companies

Power your PayTo workflows

Find out how Zai's best-in-class, API driven solution can help your business access the PayTo service.

Contact Sales