How it works
PayTo is a bank-to-bank payment method launched by the Australian banks. Your customer authorises payments once; from then on you can collect instantly.
Create an invoice
Add a customer, a few lines, done. Or set up a subscription for recurring work.
We text the link
Your customer taps it and sees a clean invoice with a Pay button. No app to install, no account to create.
They enter their account
BSB and account number, or a PayID. Their bank sends a PayTo request to their banking app.
They approve it
One tap in their bank app. Their bank verifies the account and the funds — so there are no bounced payments later.
Money moves
Over the New Payments Platform, in seconds, direct to your settlement account. Not via us.
Everyone's told
Invoice marked paid, receipt texted to the customer, your dashboard updates. If it fails, we retry and let you know.
What "keep authorised" means
When your customer ticks it, their bank keeps a standing PayTo agreement with your business. Next invoice, they pay in one tap — or you collect automatically for subscriptions. They can see and cancel the agreement from their banking app at any time, which is why customers trust it more than handing over card details.
Where's the money?
Never with us. Gateway Pay is software. Payments are initiated and settled by Zepto, a licensed Australian payments provider, from your customer's bank directly to yours. Our fee is billed separately each month.