{"title":"PayTo","category":"payment_method","creationDate":1776961628,"content":"
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PayTo is currently in pilot phase.<\/p>\n<\/div>\n

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\"\"  Read more<\/strong><\/p>

Learn more about PayTo on payto.com.au<\/a>.<\/p><\/div><\/div>\n\n

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

A typical payment flow includes:<\/p>\n

First payment<\/strong><\/p>\n

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  1. Call \/paymentMethods<\/a> to confirm which payment methods are available for the payment, showing PayTo if included in the response.<\/li>\n
  2. Collect customer details and submit a \/payments<\/a> request with the appropriate details. Adyen creates an agreement with the customer's bank, and automatically processes the first (or only) payment once confirmed.<\/li>\n
  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.<\/li>\n<\/ol>\n

    Subsequent payments<\/strong><\/p>\n

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    1. Call \/paymentMethods<\/a> providing the shopperReference<\/code> to retrieve your customer's stored payment methods.<\/li>\n
    2. Present the payment methods for which the available supportedRecurringProcessingModels<\/code> contains CardOnFile<\/strong><\/span> to your customer.<\/li>\n
    3. Submit a \/payments<\/a> request with the appropriate details including the stored payment token. Adyen will automatically process the payment.<\/li>\n
    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.<\/li>\n<\/ol>\n\n \n \n \n \n
      \n Payment type\n <\/th>\n \n Payment flow\n <\/th>\n \n Countries\n <\/th>\n \n Currencies\n <\/th>\n \n Recurring<\/a>\n <\/th>\n \n Refunds<\/a>\n <\/th>\n \n Partial refunds<\/a>\n <\/th>\n \n Multiple partial refunds<\/a>\n <\/th>\n \n Separate captures<\/a>\n <\/th>\n \n Partial captures<\/a>\n <\/th>\n \n Multiple partial captures<\/a>\n <\/th>\n \n Chargebacks<\/a>\n <\/th>\n <\/tr>\n <\/thead>\n
      \n Real-time payments\n <\/td>\n \n Direct\n <\/td>\n \n AU\n <\/td>\n \n AUD\n <\/td>\n \n \"checkmark\"<\/br>\n <\/td>\n \n \"checkmark\"<\/br>\n <\/td>\n \n \"checkmark\"<\/br>\n <\/td>\n \n \"checkmark\"<\/br>\n <\/td>\n \n \"x\"<\/br>\n <\/td>\n \n \"x\"<\/br>\n <\/td>\n \n \"x\"<\/br>\n <\/td>\n \n \"x\"<\/br>\n <\/td>\n <\/tr>\n <\/tbody>\n<\/table>\n\n

      Transaction limits<\/h2>\n

      PayTo payments in Australia are subject to varying transaction limits that differ among banks and depend on the payment type:<\/p>\n