PayTo is Australia’s modern approach to recurring payments, built on the New Payments Platform (NPP). It gives customers full visibility and control over their payment agreements, while giving your business real-time settlement on every collection. It is the pull-payment counterpart to PayID’s push payments.
The full PayTo guide (covering how PayTo works for customers, the technical workflow, and the shared responsibilities of Hello Clever, sponsoring banks, and commercial banks) already lives on the site. This page is the Australia-section entry point, with links to the deeper references.

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Why businesses choose PayTo

Real-time settlement

Each collection settles instantly over the NPP, so recurring revenue reaches your account in seconds rather than days.

Customer-managed agreements

Customers approve, view, pause, and cancel agreements in their own banking app, which builds trust and reduces disputes.

API-driven billing

Initiate each payment straight from your billing system through the Hello Clever API, with no manual steps.

Predictable revenue

Fixed or capped amounts on a set frequency make it easy to plan your cash flow.

Full PayTo guide

The complete walkthrough of PayTo on Hello Clever.

Agreement specification

A field-by-field guide to configuring a PayTo agreement.

PayTo vs. direct debit

How PayTo improves on traditional direct debit.