FAQs

PayTo (15)

• Do I need to do anything to get ready to use PayTo?

  No. If you have an eligible account you’ll be able to make PayTo payments.

• Which accounts are eligible for PayTo?

  Personal accounts: Westpac Choice, Westpac Choice – Concession, Westpac 55+ and Retired, Westpac DIY Super Working Account...

• How do I start making PayTo payments?

  To start using PayTo, a participating business will need to send you a PayTo agreement. Once you’ve reviewed and authorised the agreement, payments will be...

• Does the business I want to pay need to be a customer of Westpac too?

  No. You can make PayTo payments to any business that offers PayTo as a payment option.

• How is PayTo different from Direct Debit?

  PayTo is a new digital alternative to the existing Direct Debit payment method, allowing you to make and manage payments from your bank account...

• Where can I see all my upcoming PayTo payments?

  To see when your next PayTo payment is due, open the relevant PayTo agreement and check the Payment Frequency. As payments are initiated by the business...

• What happens if a PayTo payment is unsuccessful?

  If a PayTo payment is unsuccessful, we’ll let you know immediately and, where possible, explain what may have caused it to fail...

• What happens if I pause or cancel my PayTo agreement?

  You can pause or cancel a PayTo agreement at any time in Westpac Online Banking or the Westpac App. Once your agreement is paused or cancelled...

• Can I make changes to a PayTo agreement after I’ve authorised it?

  You’ll need to contact the business you have the agreement with to make changes to a PayTo agreement after it’s been authorised...

• Can I link my PayID to a PayTo agreement?

  Yes. If your PayID is linked to an account that’s eligible for PayTo, you can use your PayID instead of a BSB and Account Number to set up a PayTo agreement.

• I received an email to action a PayTo agreement but I can’t see it in Westpac Online Banking or the Westpac App. Why isn’t it there?

  Any PayTo agreements that haven't been actioned within the required timeframe will lapse and disappear from your list of PayTo agreements...

• Is there a transaction limit for a PayTo payment?

  PayTo payments are only limited to the funds available in your account. Your PayTo agreement may specify an exact amount to be paid...

• Do I need to use Westpac Online Banking or the Westpac App to use PayTo?

  By registering for Online Banking you can view, authorise and manage your PayTo agreements securely in Westpac Online Banking or the Westpac App...

• I’m a signatory for a family member’s bank account. Can I authorise a PayTo agreement on their account?

  Only account owners can authorise and manage (for example, decline, cancel, or pause) PayTo agreements. This includes joint accounts owned...

• My account is not eligible for PayTo. When will I be able to use PayTo as a payment option?

  We're working to make PayTo available to more customers. Right now, PayTo is only available on Westpac accounts that are both owned by individuals...