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Manage your PayTo agreements

PayTo® is an easy, digital way to pay directly from your bank account. PayTo gives you visibility and control as you can see and manage your PayTo agreements in your ANZ banking channel.
 

View your PayTo agreements

How to view your PayTo agreements

To view your PayTo agreements, follow the steps below:

  1. Log in to your ANZ banking channel.
  2. Go to the Payments menu and choose PayTo, Your PayTo agreement list will display.
  3. New PayTo agreements requiring actioning will appear at the top of the screen.
    • Active PayTo agreements will appear within the Active expandable section.
    • Paused PayTo agreements will appear within the Paused expandable section.
    • Cancelled PayTo agreements will appear within the Cancelled expandable section.

Authorising PayTo agreements

Your PayTo agreement needs to be authorised or declined within the expiry time advised on the alert banner at the top of the PayTo summary page within your ANZ banking channel. The expiry date may be different for each agreement. If you haven’t or chose not to take any action within this time, your PayTo agreement will expire and will move into the ‘Cancelled’ section. To re-establish the PayTo agreement, the merchant / Payee will need to set up a new agreement.

How to authorise a new PayTo agreement

To authorise a new PayTo agreement:

  1. Log in to your ANZ banking channel.
  2. Go to the Payments menu and choose PayTo, Your PayTo agreement list will display.
  3. New PayTo agreements requiring actioning will appear at the top of the screen.
  4. Select the PayTo agreement you would like to authorise.
  5. Review the details to make sure they match your agreement with the merchant / Payee.
  6. If the payment terms are correct, click Authorise agreement and follow the on-screen instructions.

When you are authorising a PayTo agreement it is your responsibility to ensure the payment terms of the agreement are correct. If any of the details displayed are incorrect, you should contact the Payee.

Decline or cancel a PayTo agreement

Your PayTo agreement needs to be authorised or declined within the expiry time advised on the alert banner at the top of the PayTo summary page within your ANZ banking channel. The expiry date may be different for each agreement. If you haven’t or chose not to take any action within this time, your PayTo agreement will expire and will move into the 'Cancelled' section. To re-establish the PayTo agreement, the merchant / Payee will need to set up a new agreement.

How to decline a PayTo agreement

If the PayTo agreement details do not match with your contract or what was agreed to with the merchant / Payee, you can choose to decline the PayTo agreement. You may need to contact the merchant / Payee to arrange for a new PayTo agreement to be sent with the correct information.

  1. Log in to your ANZ banking channel.
  2. Go to the Payments menu and choose PayTo, Your PayTo agreement list will display.
  3. New PayTo agreements requiring actioning will appear at the top of the screen.
  4. Review the PayTo agreement details.
  5. If the details are incorrect, you can choose to click Decline agreement and follow the on-screen instructions.

Alternatively, you can contact the merchant / Payee directly who will cancel the incorrect PayTo agreement and issue a new one with the correct information.

Please be aware that declining your PayTo agreement doesn’t change your contractual obligations with the merchant / Payee.

Cancel a PayTo agreement

You can choose to cancel your PayTo agreement at any time from within your ANZ banking channel.

  1. Log in to your ANZ banking channel.
  2. Go to the Payments menu and choose PayTo, Your PayTo agreement list will be displayed here.
  3. Locate and select the PayTo agreement that you want to cancel.
  4. Click Cancel agreement and follow the on-screen instructions.
  5. The status of your PayTo agreement will be updated to Cancelled and be available for you to view in the Cancelled section.

Please be aware that cancelling your PayTo agreement doesn’t change your contractual obligations with the merchant / Payee.

Authorise or decline changes to a PayTo agreement

Changes or amendments may be made by the merchant / Payee to an existing PayTo agreement. You will need to review and either authorise or decline the changes.

Your PayTo agreement needs to be authorised or declined within the expiry time advised on the alert banner at the top of the agreement. The expiry date may be different for each agreement. If you haven’t or chose not to take any action within this time, your PayTo agreement amendments will expire.

How to authorise changes on an existing PayTo agreement

To authorise changes on an existing PayTo agreement:

  1. Log in to your ANZ banking channel.
  2. Go to the Payments menu and choose PayTo, Your PayTo agreement list will be displayed here.
  3. Existing PayTo agreements requiring authorisation will appear in the Active or Paused list depending on the status of the PayTo agreement.
  4. Locate and select the PayTo agreement that has had changes applied to authorise.
  5. Review the details to make sure they are correct.
  6. If the agreement terms are correct, click Authorise changes and follow the on-screen instructions.

If the amendments are incorrect, you can choose to contact the merchant / Payee directly to have them update the details or follow the instructions for how to decline changes on an existing PayTo agreement process.

If the amendments are made on a paused PayTo agreement, you will need to resume the agreement before the payment can be debited.

How to decline changes on an existing PayTo agreement

To decline changes on an existing PayTo agreement:

  1. Log in to your ANZ banking channel.
  2. Go to the Payments menu and choose PayTo, Your PayTo agreement list will be displayed here.
  3. Existing PayTo agreements requiring authorisation will appear in the Active or Paused list depending on the status of the PayTo agreement.
  4. Locate and select the PayTo agreement that has had changes applied to review.
  5. Review the details to make sure they are correct.
  6. If the agreement terms are incorrect, click Decline changes and follow the on-screen instructions.

Pause and resume a PayTo agreement

How to pause a PayTo agreement

You may choose to pause a PayTo agreement at any time from within your ANZ banking channel. To pause your PayTo agreement:

  1. Log in to your ANZ banking channel.
  2. Go to the Payments menu and choose PayTo, Your PayTo agreement list will be displayed here.
  3. From your list of Active agreements, select the PayTo agreement that you want to pause.
  4. Click Pause agreement and follow the on-screen instructions.

Please be aware that pausing your PayTo agreement doesn’t change your contractual obligations with the merchant / Payee.

How to resume a PayTo agreement

You may choose to resume a PayTo agreement at any time from within your ANZ banking channel. To resume your PayTo agreement:

  1. Log in to your ANZ banking channel.
  2. Go to the Payments menu and choose PayTo, Your PayTo agreement list will be displayed here.
  3. From your list of Paused agreements, select the PayTo agreement that you want to resume.
  4. Click Resume agreement and follow the on-screen instructions.

Please note that your PayTo agreement will now display in the Active section.

Changing your linked account on a PayTo agreement

You can change the debiting account linked to a PayTo agreement at any time after the PayTo agreement has been authorised. You can choose another eligible account that is linked to your ANZ CRN.

How to change your linked account on a PayTo agreement

  1. Log in to your ANZ banking channel.
  2. Go to the Payments menu and choose PayTo, Your PayTo agreement list will be displayed here.
  3. Select the PayTo agreement that you would like to change the linked account to.
  4. Click Change linked account and follow the on-screen instructions.

Only eligible accounts will appear for you to choose from. If the account you want to change to doesn’t appear, it is not eligible for PayTo.

If you wish to use your PayID®, you will need to contact the payee to have a new PayTo agreement created.

Need more help?

Do you have questions?

Check out our Frequently asked questions page for more information. Please also refer to your product Terms and Conditions.

Refer to FAQs

Personal customers

If you would prefer to speak to a human, please call us between Monday-Friday, 8am to 8pm (AEST)

Call 13 33 50

Business customers

If you would prefer to speak to a human, please call us between Monday-Friday, 8am to 8pm (AEST)

Call 1800 805 154

Glossary

Type of agreement, for example, fixed or variable.

Long or short form description of the agreement.

Eligible ANZ PayTo accounts.

Date on which the first/ last payment may be debited.

How often payments may be debited from your bank account.

The party initiating or receiving the payment ie the merchant or business.

This is the agreement that records the authorised payment terms between the Payee (business or merchant) and you as the Payer (customer).

Amount(s) authorised by you the payer customer.

These are the specific terms that collectively make up a PayTo agreement. These include:

  • Payee or payment initiator,
  • payment amount,
  • frequency,
  • agreement type,
  • first / last payment due,
  • description / short description and
  • start date / end date.

First and last date of the agreement may be used for initiating payments from the payer customer’s bank account.

Important information

More information about PayTo can be found at https://payto.com.au/

PayTo is available on accounts that are capable of processing faster payments using the New Payments Platform (NPP). PayTo is not available on some ANZ accounts, including ANZ Home Loans and ANZ Personal Loans.  For more information about whether your account is eligible for PayTo, see: Eligible ANZ PayTo accounts.

Please refer to your product terms and conditions for more information about PayTo and PayTo agreements (including an explanation of some of the terms used, and information about how ANZ acts on your instructions in relation to PayTo Payment Agreements).

ANZ receives the information contained in a PayTo agreement (such as the payment amount and payment frequency) from the Payee, via the mandate management service. You are responsible for ensuring that it is correct before you take any action (such as authorising an agreement). If you believe that any details displayed here are incorrect, you should contact the Payee.

Delays may occur in relation to authorising, amending, pausing, resuming or cancelling a PayTo Payment Agreement, including during peak times, systems outages or technical interruptions.

Fees and charges may apply.

This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Any advice is general advice only and does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

PayID and PayTo are registered trademarks of NPP Australia Limited.

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