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What is PayTo®?

PayTo® - a new and secure payment option that gives you visibility and control over your payments from your bank account. 

  • View, authorise, cancel or pause your PayTo payments.
  • Keep track of recurring bills and ongoing payments.
  • All managed in Westpac Online Banking or the Westpac App.

PayTo is an industry payment initiative, developed by New Payments Platform Australia (NPPA), a wholly owned subsidiary of Australian Payments Plus, Australia's domestic payment organisation that also includes BPAY® Group and eftpos.

Why choose to pay with PayTo?


All new PayTo agreements need to be authorised by you in Online Banking or the Westpac App before a business can take a payment.



It's easy to set up PayTo with either your PayID or eligible BSB and account number.



You can see all your PayTo agreements in one place and know when payments are due to come out of your account.



It's easy to switch the Westpac accounts linked to your PayTo agreements, or to pause or cancel agreements at any time.

How to use PayTo

Watch the following video, or read the steps below to see how easily you can set up and use PayTo.

The Business Network Administrator will switch on PayTo and allocate users and permissions.  


Look for the PayTo symbol when setting up recurring bills or paying for Business supplies.


Enter your PayID or eligible BSB and account number.


Allocated Network users will receive a notification to review and authorise the new PayTo agreement.


Congratulations! You can now view, pause or cancel your PayTo agreements at any time in Online Banking or the Westpac App.


Personal accounts:

•  Westpac 55+ and Retired

•  Westpac Choice

•  Westpac Choice Basic

•  Westpac Choice Plus package

•  Westpac Choice Student

•  Westpac Choice Youth

•  Westpac DIY Super Working Account


Business accounts:

•  Bank Bill Business Loan

•  Business Account

•  Business Cheque Account

•  Business Cheque Plus Account

•  Business Loan

•  Business Overdraft

•  Cheque Account

•  Project Trust Account - QLD

•  Retention Trust Account - QLD

•  Statutory Trust Account - Controlled Money A/c

•  Statutory Trust Account - Conveyancers

•  Statutory Trust Account - Motor Dealers

•  Statutory Trust Account - Real Estate Agents

•  Statutory Trust Account - Solicitors*

•  Westpac Agri Finance

•  Westpac Business Equity Access Loan

•  Westpac Business One

•  Westpac Business One Plus

•  Westpac Cash Investment Account

•  Westpac Community Solutions One

•  Westpac Strata

*not all Statutory Trust Accounts are eligible


Corporate Accounts

•  Cash Management Account

•  Corporate Cheque Account - Basic

•  Corporate Cheque Account - Regulated Interest

•  Corporate Cheque Account - Standard Interest

•  Security Investment Account

•  Segment account

•  Set-Off Account

Things you should know

Read the Westpac PayTo Terms and Conditions (PDF 187KB) , Westpac Online Banking Terms and Conditions (PDF 555KB) , Westpac Personal Telephone Banking Terms and Conditions (PDF 215KB) and Westpac Group Telephone Banking Terms and Conditions (PDF 477KB) before making a decision and consider whether the product or service is right for you. Online Banking is subject to outages from time to time.


BPAY is ® Registered to BPAY Pty Ltd ABN 69 079 137 518.


PayID® and PayTo® are registered trademarks of NPP Australia Limited.