Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input

PayTo is here:

When it comes to your money, visibility and control is everything. With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account. You can also pause and cancel your PayTo agreements at any time. That means no nasty surprises when payments are deducted.

What is PayTo?

PayTo is a new, secure payment option that gives you more visibility and control over payments from your account.

  • View, authorise, cancel or pause your PayTo payments in Online Banking or the Westpac App.
  • Easily keep track of recurring bills and ongoing payments like subscriptions and memberships.
  • Make payments direct from your eligible account knowing your payment details will only be stored in a secure independent system.

It was 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.

You’ll start seeing PayTo as an option for all kinds of payments, so keep an eye out for it.

Why use 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 PayTo works

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

Look for the PayTo symbol when you're setting up recurring bills, memberships or subscriptions, or paying one-off bills, or shopping online.


Enter your PayID or eligible BSB and account number.


Review and authorise your new PayTo agreement on your phone or desktop.


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


Personal accounts:

  • Westpac Choice 
  • Westpac Choice – Concession 
  • Westpac 55+ and Retired 
  • Westpac DIY Super Working Account

The following business accounts are eligible for PayTo when held by an individual (sole trader):

  • Westpac Business One 
  • Westpac Business One Plus 
  • Westpac Business One – Negotiator Plan 
  • Westpac Business One (Controlled Money and Trust Accounts) 
  • Statutory Trust Account – (for example, Conveyancers, Motor Dealers, Real Estate Agents and Solicitors) 
  • Westpac Community Solutions One 
  • Business Cheque (Agribusiness Cheque, Business, Agribusiness) 
  • Business Cheque – Plus 
  • Westpac Business One – High 
  • Bank Undertaking Security Deposit Account
Things you should know

Read the PayTo Terms and Conditions (PDF 152KB)Westpac Online Banking Terms and Conditions (PDF 417KB), and Westpac Personal Telephone Banking Terms and Conditions (PDF 214KB) 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.