PayTo FAQs

Yes, PayTo is a safe way to use your bank account for payments.

When a PayTo Payment Agreement is sent to you via your ANZ banking channel, you should carefully check the details and make sure it aligns with the agreement you have made with the merchant (payee) before authorising it.

Once you have authorised a PayTo Payment Agreement, the merchant (payee) can begin debiting your account.

If you have a query about a PayTo Payment Agreement, you should first get in touch with the merchant (payee). If they are not able to resolve your query, please contact ANZ.

For more information, please refer to your product Terms and Conditions.

As is the case for any other payment agreement, you will need to provide your payment details (BSB and account number or PayID) to the merchant (payee).

A merchant (payee) can only begin to debit your account once you have authorised the PayTo Payment Agreement via your ANZ banking channel.

Any personal information you provide to the merchant (payee) will be subject to the merchant’s (payee’s) Privacy Policy and terms and conditions.

If you have a PayTo Payment Agreement with a merchant (payee) who has taken a payment that you believe to be outside of the terms of the agreement, you should contact the business to rectify it.

If you are unable to contact the merchant (payee) to resolve the matter, please contact ANZ.

If you believe that the payment may be fraudulent, pause your agreement to ensure no further debits can be deducted from your account and immediately contact ANZ by sending us a message in the ANZ App. Tap Support to get started.

For more information, please refer to your product Terms and Conditions.

A merchant (payee) can only debit your account if you have an active (authorised) PayTo Payment Agreement. 

Please refer to Manage my PayTo agreements for more information. If you believe a transaction has occurred without your authorisation, please contact ANZ for assistance.

When you choose PayTo as a payment method, the merchant (payee) will set up a PayTo Payment Agreement with you. This agreement will detail how much and how often your account is debited to pay for goods and/or services provided. It could be a one-off, ad-hoc, or recurring payment.

You will need to provide the merchant (payee) payment details which may be your BSB and account number, or your PayID.

Your PayTo Payment Agreement will be available in your ANZ banking channel for your review and authorisation.

Once a PayTo Payment Agreement is authorised, the merchant (payee) can begin to debit your account.

For more information, please refer to your product Terms and Conditions.

To set up a PayTo Payment Agreement with a merchant (payee), you will need to provide your BSB and account number or PayID for an eligible (PDF) account. The merchant (payee) will let you know any other details they need.

Any personal information you provide to the merchant (payee) will be subject to the merchant’s (payee’s) Privacy Policy and terms and conditions.

PayTo Payment Agreements can be created using either your PayID or BSB and account number for an eligible (PDF) account. Using your PayID saves you needing to remember and provide your BSB and account number.

See PayID for more information.

For step-by-step details on how to view and authorise your PayTo Payment Agreements, refer to Manage my PayTo agreements.

For step-by-step details on how to decline a PayTo Payment Agreement, refer to Manage my PayTo agreements.

Please be aware that this doesn’t change your contractual obligations with the merchant (payee).

You should contact the merchant (payee).

For step-by-step details on how to cancel a PayTo Payment Agreement, refer to Manage my PayTo agreements.

Please be aware that this doesn’t change your contractual obligations with the merchant (payee).

You should contact the merchant (payee).

For step-by-step details on how to pause a PayTo Payment Agreement, refer to Manage my PayTo agreements.

Please be aware that this doesn’t change your contractual obligations with the merchant (payee).

You should contact the merchant (payee).

For step-by-step details on how to resume a PayTo Payment Agreement, refer to Manage my PayTo agreements.

For step-by-step details on how to reauthorise a PayTo Payment Agreement, refer to Manage my PayTo agreements.

A PayTo Payment Agreement or PayTo agreement is an agreement between you and a merchant (payee) that details how much and how often your account is debited to pay for goods and/or services. This could be for a one-off, ad-hoc, or recurring payment.

PayTo Payment Agreements are available in your ANZ banking channel.

For Internet Banking or Internet Banking for Business log in then select the Payments menu to find the PayTo tile.

For the ANZ App, log in, tap More, then tap PayTo Agreements. For step-by-step details on how to view a PayTo Payment Agreement, refer to Manage my PayTo agreements.

PayTo Payment Agreements contain important details about how much and how often your account can be debited for goods or services.

This could be for a one-off, ad-hoc, or recurring payment.

You should check that this information matches what you have agreed to with the merchant (payee):

• Name of merchant (payee)
• Amount of the payment(s), this could be either a fix amount or up to a maximum amount (cap)
• Payment terms which may include:
  
  • when payments should be debited, this may include a start and end date
  • payment frequency (how often payments will be debited)
  • number of payments (if applicable)

ANZ will receive the above information from the merchant (payee). You are responsible for ensuring that all information is correct before you take any action (such as authorising or declining an agreement). If you believe that any details displayed are incorrect, you should contact the merchant (payee).

For more information, please refer to your product Terms and Conditions.

If you do not wish to proceed with the PayTo Payment Agreement, you can select the 'Decline agreement' button in Internet Banking or tap the ‘Decline’ button in the ANZ App.

Please note that declining a PayTo Payment Agreement does not change any contractual obligations you have with the merchant (payee). 

ANZ receives all information contained in a PayTo Payment Agreement from the merchant (payee). You are responsible for ensuring that all information is correct before you take any action (such as authorising or declining an agreement). 

If you believe that any details shown within the PayTo Payment Agreement are incorrect, you should contact the merchant (payee). The merchant (payee) may cancel the incorrect agreement and create a new, correct one for your authorisation.

Not all ANZ accounts are eligible for PayTo.

To find out if your account is eligible, please refer to ANZ PayTo eligible accounts (PDF).

As PayTo starts to become more widely available, you’ll see it in all kinds of places like in-app, ecommerce websites and for utilities.

Keep your eye out for the PayTo logo. 

If you believe that any details displayed in your PayTo Payment Agreement are incorrect, you should decline the PayTo Payment Agreement and contact the merchant (payee) who may amend and resubmit the agreement for your authorisation.

Check that you have provided the merchant (payee) with the correct BSB and account number or PayID for your eligible (PDF) account. If the details are correct, and your account is eligible and you are still unable to see your PayTo Payment Agreement in your ANZ banking channel, you should contact the merchant (payee) to help.

If a payment was debited from your account outside of the terms of your PayTo Payment Agreement, you should get in touch with the merchant (payee) to allow them to rectify it.

If you have attempted to resolve this matter with the merchant (payee) and it is still unresolved, please contact ANZ by Messaging us in the ANZ App. Tap Support to get started.

If you become aware of any activity that appears suspicious or fraudulent in relation to a PayTo Payment Agreement, for example if you receive a PayTo Payment Agreement authorisation request that you are not expecting or become aware of a fraudulent PayTo payment being processed from your account, you must immediately (a) pause your PayTo Payment Agreement, and (b) contact ANZ by Messaging us in the ANZ App. Tap Support to get started.

For more information, please refer to your product Terms and Conditions.

If you have used PayTo to purchase goods or pay for services that you are unhappy with, you should contact the merchant (payee).

If your concern is not resolved, you should explore avenues of consumer protections that are offered under Australian law. The Australian Competitor & Consumer Commission (ACCC) outlines consumers rights and guarantees and provides useful information and tools on its website: https://www.accc.gov.au/consumers 

PayTo is available on most of our everyday consumer and business transaction accounts, however there are some exceptions. See a full list of eligible PayTo accounts (PDF) for the details.

Yes, PayTo is available in the ANZ App as of October 2024

Yes, PayTo is available in ANZ Internet Banking for Business as of April 2024. 

There could be many reasons, the most likely reasons could be:

• Your account is not eligible (PDF) for PayTo
• You do not have Pay Anyone access on that account

If the reason is not one of the above, please call us to have your account looked into. 

Yes, you can. You can change to another PayTo eligible account linked to your CRN (Customer Registration Number) in ANZ Internet Banking. You can change your account at any time after you have authorised the PayTo agreement.

This service is not available in the ANZ App.

Once a PayTo Payment Agreement is created using a BSB and account number, you are unable to change it to a PayID.

If you would like to use a PayID on your PayTo Payment Agreement, the merchant (payee) will need to set up a new PayTo agreement using your PayID.

Generally, customers have 5 calendar days to authorise or decline a PayTo agreement but a merchant can specify a shorter timeframe. On the 6th calendar day, the agreement will be automatically cancelled if no action has been taken. To re-establish the PayTo agreement, the merchant / payee will need to set up a new agreement.

If your account offers bonus interest on the condition that there are not any withdrawals made within the month, any PayTo payments debited from your account are classified as a transaction and will impact you receiving your bonus interest for the month.

Yes, if you initially authorised the PayTo Payment Agreement in Internet Banking you will be able to manage it using the ANZ App. However, if you want to change the account that the PayTo Payment agreement is linked to or if you need to reauthorise a PayTo Payment Agreement because the merchant has made changes to the agreement, you can only do so in Internet Banking.

Yes, you will be sent an SMS when there is a new PayTo agreement that requires your action. When logging into your ANZ Internet Banking, you will also see a notification on the home page advising you of any new or amended PayTo agreements which require your action.

Yes, when logging into your ANZ Internet Banking, you will see a notification on the home page advising you of any amended PayTo agreements.

In the ANZ App you will see a ‘Reauthorise’ label for PayTo agreements that require reauthorisation. You will only be able to reauthorise the PayTo agreement in Internet Banking.

In Internet Banking you will see a notification on the home page advising you of any activity on your PayTo agreements.

You will not be notified when you decline or cancel a PayTo agreement in the ANZ App.

In Internet Banking you will see a notification on the home page advising you of any activity on your PayTo agreements.

You will not be notified in the ANZ App when ANZ or the merchant (payee) cancels one or more of your PayTo agreements.

In Internet Banking you will see a notification on the home page advising you of any activity on your PayTo agreements.

The ANZ App will not notify you when ANZ or the merchant (payee) pauses or resumes your PayTo agreements.

Yes, in Internet Banking ANZ will notify all signatories on the account of any new PayTo Payment Agreement authorisation request on the home page. This service is not available in the ANZ App. 

Customers must have a valid PayID or BSB and Account number, the account must be NPP eligible and linked to their ANZ App or Internet Banking. Customers can then authorise PayTo agreements once logged in to their ANZ App or Internet Banking. Customers will need to use their Voice ID to authorise PayTo agreements in the ANZ App and either the SMS OTP, ANZ Shield or ANZ Security device (depending on which method of two factor authentication the Internet Banking customer has set up) when authorising PayTo agreements in Internet Banking.

Yes, New PayTo agreements or requests to amend an existing PayTo agreement that amount to greater than $25,000 will be automatically rejected. These PayTo agreements will go straight into the Cancelled category.