Log into your Cashwo dashboard and create a new PayTo agreement in seconds. Define the amount, choose a billing frequency (Adhoc, Daily, Fortnightly, Intraday, Semiannual, Monthly, Quarterly, Weekly, Annual etc..), and add a description your client will recognise.
Share the PayTo agreement with your client through their preferred channel — SMS, email, or a shareable link. They receive a secure notification from their own bank, not a third-party app they don’t recognise.
Your client opens the PayTo notification in their mobile or internet banking app and approves the agreement with a single tap. Authentication is handled by their own bank — biometrics, passcode, or however they normally verify transactions.
From the moment your client approves, every scheduled payment runs automatically. You receive instant notifications when funds land in your account. No more follow-ups, no more admin, no more uncertainty.
PayTo is the next-generation payment standard developed by Australian Payments Plus and backed by every major Australian bank. It replaces outdated direct debit with real-time, consent-based payments that are faster, safer, and more transparent.
Supported by all major Australian banks.
Instant settlement, instant confirmation.
No financial data ever leaves the bank.
Customers control and manage agreements.
Start free for 30 days. No credit card, no contracts, no risk.
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