PayTo is a secure and fast way to pay from your bank account, with an agreement you authorise in your banking app. It eliminates dishonour fees by checking available funds in real-time. It's different from direct debit, offering more control. It's a one-time setup for all future cashouts. Existing direct debit payments shift to PayTo. To set up a PayTo agreement, opt in through the cash out tab and authorise it in your banking app. If you decline, it may lead to cancellation, but you can request another authorisation if needed.

PayTo is a secure and fast payment method directly from your bank account. It involves setting up an agreement where you can approve payment terms through your banking app. After authorisation, payments are automatically deducted as per the agreed terms. Changes require reauthorisation in the app or contacting the PayTo service.

Logging into your online banking is necessary because the PayTo agreement requires your authorisation through your internet or mobile banking app. Without your approval, the merchant or business cannot initiate debit transactions from your account.

No, you don't need to do this for every cashout. It's a one-time setup that covers all future cashouts, making it convenient and automatic.

A PayTo agreement is a record of authorised payment terms between the Beforepay and the Beforepay customer. It outlines the terms and conditions for payments.

PayTo is a modern digital alternative to direct debit. It offers speed, flexibility, and enhanced control over authorised bank account payments compared to the traditional direct debit system.

PayTo eliminates dishonour fees by checking available funds in real time, ensuring that payments are made only when sufficient funds are available, preventing any payment failures.

To start using PayTo, if you've used Beforepay before, you can access it directly from the cash-out tab. If you're new to Beforepay, after cashing out, you'll find an option in the cash-out tab to opt into 'real-time repayments.'

There is no extra cost for using PayTo; it's a value-added service provided to Beforepay users without any additional charges.

Your existing direct debit payments will be shifted to PayTo payments once you accept the Beforepay PayTo agreement through your internet or mobile banking app.

At the moment, PayTo is available to select CBA users. See a list of eligible accounts here.

We’re rolling out PayTo gradually to ensure we provide the most seamless experience and will keep you posted on updates for other banks.

If you're one of the select CBA users eligible for PayTo, you will see a banner on the Cash Out screen in your Beforepay account titled ‘Repayments made in real-time’. Tap and follow the prompts to opt in and set up your agreement.
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After opting in, you'll need to review and authorise your PayTo agreement in your internet or mobile banking app.

You’ll receive a confirmation email from Beforepay once your PayTo agreement has been set up successfully.

You can pause, cancel or check the status of your PayTo agreements at any time in your internet banking.

If you change your mind or mistakenly decline the agreement, you can request to set up a PayTo agreement again on the Cash Out screen in your Beforepay account.

Please be aware that declining your PayTo agreement doesn’t change your contractual arrangements with Beforepay.

Please be aware that this doesn’t change your contractual arrangements with Beforepay. Any repayments you are owing to Beforepay still need to be made. If you have scheduled repayments with Beforepay, either upcoming or in the future, these will automatically revert to direct debit. Payments made via direct can take up to 2 business days to clear.

You can pause or cancel your PayTo agreement at any time through your internet banking.

Alternatively you can cancel your PayTo agreement by emailing us on support@beforepay.com.au

You’ll receive a confirmation email from Beforepay once your PayTo agreement has been cancelled

Please be aware that this doesn’t change your contractual arrangements with Beforepay. Any repayments you are owing to Beforepay still need to be made. If you have scheduled repayments with Beforepay, either upcoming or in the future, these will automatically revert to direct debit. Payments made via direct can take up to 2 business days to clear.

Currently, PayTo is available for select CBA customers and will roll out gradually across other banks. If you're one of the eligible customers, keep an eye out for the PayTo opt-in banner on the Cash Out screen! Find out more about how to set up your PayTo agreement here.
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The following CBA accounts are currently eligible for PayTo: