PayTo

PayTo is an Australian payment method, that leverages the real-time payment rails of the NPP (New Payments Platform). It's an account-to-account payment method that allows for one-off e-commerce transactions, as well as recurring mandates.

A typical payment flow includes:

First payment

1. Call /paymentMethods to confirm which payment methods are available for the payment, showing PayTo if included in the response.
2. Collect customer details and submit a /payments request with the appropriate details. Adyen creates an agreement with the customer's bank, and automatically processes the first (or only) payment once confirmed.
3. The customer will be shown a pending screen while they confirm the payment in their banking app. Successful payment is confirmed via webhook notification from Adyen.

Subsequent payments

1. Call /paymentMethods providing the shopperReference to retrieve your customer's stored payment methods.
2. Present the payment methods for which the available supportedRecurringProcessingModels contains CardOnFile to your customer.
3. Submit a /payments request with the appropriate details including the stored payment token. Adyen will automatically process the payment.
4. The customer will be able to see the transaction in real-time in their banking app. Successful payment is confirmed via webhook notification from Adyen.

Payment type	Payment flow	Countries	Currencies	Recurring	Refunds	Partial refunds	Multiple partial refunds	Separate captures	Partial captures	Multiple partial captures	Chargebacks
Real-time payments	Direct	AU	AUD

Limitations

PayTo payments in Australia are subject to varying transaction limits that differ among banks and depend on the payment type:

• Subscription (Recurring) Payments: Many banks set a limit of $1,000 per transaction for recurring PayTo payments. However, some banks allow higher limits, up to $25,000 for recurring transactions.
• One-Off (Ad-Hoc) Payments: One-off payments typically have higher limits. Many banks allow one-off PayTo payments of up to $25,000. However, some banks may set lower limits for one-off payments, with daily limits as low as $5,000.

It's important to note that these limits can vary based on factors such as account type, customer verification status, and individual bank policies. Additionally, some banks may allow customers to request higher limits upon verification.

How do you want to integrate?