Pull Payments

Collect authorised payments directly from your customers’ bank accounts using Azupay’s PayTo capabilities.

Built for Australian businesses, this solution enables secure account-to-account payment collection for once-off and recurring use cases, with customer authorisation, payment status updates, and webhook notifications handled through a single integration.

Subscriptions App

The Pull Payments capability is powered by the PayTo Subscriptions App, allowing you to establish PayTo agreements and collect payments through an API-led and hosted user experience.

By integrating with Azupay via the Payment Agreement Request API and Payment Initiation API, you can:

• Set up customer-authorised PayTo agreements
• Collect once-off or recurring payments through those agreements
• Use Azupay’s hosted UX to simplify agreement creation and approval
• Receive agreement and payment status updates through API responses and webhooks
• Support subscription, billing, and repeat-payment use cases without building the full agreement orchestration yourself

How It Works

1. Create a payment agreement request

   Your system creates a Payment Agreement Request through the Azupay API, including the agreement terms and customer flow details.

2. Launch the agreement experience

   Redirect the customer to Azupay’s hosted experience to review and approve the agreement.

3. Customer authorises the agreement

   The customer confirms the PayTo agreement through their banking environment.

4. Agreement becomes active

   Azupay notifies you when the agreement is active and ready to be used.

5. Initiate payments

   Your system can then create payment initiations against the approved agreement.

6. Receive status updates

   Azupay sends agreement and payment updates through API responses and webhooks so your systems can reconcile and fulfil downstream workflows.

sequenceDiagram
    participant MB as Merchant Backend
    participant API as Azupay API
    participant UX as Azupay Hosted UX
    participant BANK as Customer Bank
    participant WH as Webhook Endpoint

    MB->>API: Create Payment Agreement Request
    API-->>MB: Agreement response (checkoutUrl / sessionUrl)

    MB->>UX: Redirect customer to hosted experience
    UX->>BANK: Customer reviews and approves agreement
    BANK-->>API: Agreement approved
    API-->>WH: Send agreement status update
    WH-->>MB: Mark agreement active

    MB->>API: Create Payment Initiation
    API-->>WH: Send payment status update
    WH-->>MB: Update billing / fulfilment workflow

Why Use Pull Payments

Customer-authorised bank payments Collect payments directly from a customer’s bank account using PayTo agreements.

Supports once-off and recurring billing Use the same capability for single authorised collections or ongoing repeat payment models.

Simplified agreement setup Use Azupay’s hosted UX to reduce the work involved in collecting and activating PayTo agreements.

Lower operational overhead Avoid building the full agreement approval and payment orchestration flow yourself.

Improved payment visibility Receive status updates for both agreements and payment collections through API responses and webhooks.

Flexible billing use cases Support subscriptions, memberships, instalments, scheduled billing, and other repeat-payment models.

Who Should Use This