Take the reins on payments with PayTo

Whether you're setting up recurring bills, memberships or subscriptions, paying one-off bills, or shopping online, PayTo gives you the power to securely authorise and manage payments from your bank account.

PayTo is here:

When it comes to your money, visibility and control is everything. With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account. You can also pause and cancel your PayTo agreements at any time. That means no nasty surprises when payments are deducted.

What is PayTo?

PayTo is a new, secure payment option that gives you more visibility and control over payments from your account.

View, authorise, cancel or pause your PayTo payments in Internet Banking or the Bank of Melbourne App.
Easily keep track of recurring bills and ongoing payments like subscriptions and memberships.
Make payments direct from your eligible account knowing your payment details will only be stored in a secure independent system.

It was developed by New Payments Platform Australia (NPPA), a wholly owned subsidiary of Australian Payments Plus, Australia’s domestic payment organisation that also includes BPAY® Group and eftpos.

You’ll start seeing PayTo as an option for all kinds of payments, so keep an eye out for it.

Why use PayTo?

Security

All new PayTo agreements need to be authorised by you in Internet Banking or the Bank of Melbourne App before a business can take a payment.

Simplicity

It's easy to set up PayTo with either your PayID or eligible BSB and account number.

Visibility

You can see all your PayTo agreements in one place and know when payments are due to come out of your account.

Flexibility

It's easy to switch the Bank of Melbourne accounts linked to your PayTo agreements, or to pause or cancel agreements at any time.

Added security questions

If we suspect you’re making a payment to a potential scammer, we’ll prompt you with a few quick questions to get more information, allowing us to help pinpoint and block a potential scam transaction.

How PayTo works

Watch the following video, or read the steps below to see how easily you can set up and use PayTo.

Look for the PayTo symbol when you're setting up recurring bills, memberships or subscriptions, or paying one-off bills, or shopping online.

Enter your PayID or eligible BSB and account number.

Review and authorise your new PayTo agreement on your phone or desktop.

Congratulations! You can now view, pause or cancel your PayTo agreements at any time in Internet Banking or the Bank of Melbourne App.

FAQs

Which accounts are eligible for PayTo?

Personal accounts:

Complete Freedom
Concession Account
Retirement Access Plus

The following business accounts are eligible to make PayTo payments when held by an individual (sole trader):

Freedom Business Account
Business Cheque Account Plus
Business Access Saver
Business Statutory Trust Account (e.g., Solicitors, Real Estate, Other)
Society Cheque Account (Business)
GST Provision
Commercial Money Market
Standby Account
Standard Business Cheque Account
Commercial Line of Credit
Business Umbrella Investment Loan Account
Business Maximiser
Commercial Overdraft
Other Trust Account
Business Maximiser Account

How do I start making PayTo payments?

How is PayTo different from Direct Debit?

PayTo is a new digital alternative to the existing Direct Debit payment method, allowing you to make and manage payments from your bank account. Giving you more visibility and control through in Bank of Melbourne Internet Banking or the Bank of Melbourne App, it can be used to make both regular scheduled payments like a Direct Debit, or one-off real-time payments like a credit or debit card.

What happens if I pause or cancel my PayTo agreement?

You can pause or cancel a PayTo agreement at any time in Bank of Melbourne Internet Banking or the Bank of Melbourne App. Once your agreement is paused or cancelled, we’ll contact you to confirm the action you’ve taken. The business you have the PayTo agreement with will also be notified.

In most cases you should check with the business (biller) before you cancel or pause an agreement as they won’t be able to debit any further payments until the agreement is resumed or you authorise a new agreement.

For full list of FAQs

Important information

Read the PayTo Terms and Conditions (PDF 149KB) and the Bank of Melbourne Internet and Phone Banking Terms and Conditions and Important Information (PDF 375KB) before making a decision and consider whether the product or service is right for you. Online Banking is subject to outages from time to time.

BPAY is ® Registered to BPAY Pty Ltd ABN 69 079 137 518.