PayTo payments

Use PayTo payments in the Pay by Bank App when you want customers to authorise payment directly from their bank account.

PayTo supports three main receive-payment patterns:

Once-off PayTo

A single authorised payment collected directly from the customer’s bank account.

Recurring PayTo

An ongoing payment authority for future recurring collections.

Pay & Subscribe

An upfront payment collected now, with recurring payments authorised for later.

Choose the right PayTo model

Payment model	Best for	What it does
Once-off PayTo	Single authorised payments	Collect one authorised payment from the customer’s bank account
Recurring PayTo	Subscriptions and repeat billing	Establish an ongoing payment authority for future collections
Pay & Subscribe	Upfront payment plus repeat billing	Collect an initial payment and set up an ongoing agreement

How PayTo works

flowchart LR
    A["Customer opens checkoutUrl"] --> B["Selects PayTo"]
    B --> C["Enters PayID or bank details"]
    C --> D["Reviews payment or agreement"]
    D --> E["Authorises in banking app"]
    E --> F["Payment or agreement status updates in checkout"]

Payment patterns

Once-off PayTo

Use Once-off PayTo when you want to collect a single authorised payment from a customer’s bank account.

Best for:

one-time purchases
account settlement
higher-value payments where bank authorisation is preferred

What to expect:

the customer authorises a single payment
the payment is approved through their banking environment
no ongoing payment authority is created

Configure it like this:

create a PayTo payment request for a single payment
do not configure it as a recurring agreement

{
  "amount": 150.00,
  "description": "Order 12345",
  "PaymentAgreementRequest": {
    "clientTransactionId": "your-unique-id",
    "agreementStartDate": "2026-04-13",
    "agreementEndDate": "2026-04-13",
    "agreementFrequency": "ADHOC"
  },
  "successRedirectURL": "https://merchant.example/success",
  "cancelRedirectURL": "https://merchant.example/cancel"
}

Recurring PayTo

Use Recurring PayTo when you want to establish an ongoing payment authority for future collections from the customer’s bank account.

Best for:

subscriptions
memberships
instalment plans
repeat service payments

What to expect:

the customer authorises an ongoing PayTo agreement
future payments can be collected under that agreement
the hosted UX supports repeat payment journeys
where enabled, passkeys can streamline the return payment experience

Configure it like this:

create a PaymentAgreementRequest
set different agreementStartDate and agreementEndDate values
set the recurring agreementFrequency
set agreementMaximumAmount for future recurring collections

{
  "PaymentAgreementRequest": {
    "clientTransactionId": "your-unique-id",
    "agreementStartDate": "2026-04-13",
    "agreementEndDate": "2027-04-13",
    "agreementFrequency": "MONTHLY",
    "agreementMaximumAmount": 50.00
  },
  "successRedirectURL": "https://merchant.example/success",
  "cancelRedirectURL": "https://merchant.example/cancel"
}

Pay & Subscribe

Use Pay & Subscribe when you want to collect an initial payment now and also establish a recurring PayTo agreement for future payments.

Best for:

subscription sign-up flows
memberships with an upfront payment
services that begin immediately and continue on a recurring basis

What to expect:

the customer completes an upfront payment during checkout
the customer also authorises an ongoing PayTo agreement
the flow combines immediate collection with future recurring billing

Configure it like this:

set amount for the payment collected immediately
include a PaymentAgreementRequest for future recurring payments
set the recurring agreementFrequency
set agreementMaximumAmount for future recurring collections

{
  "amount": 20.00,
  "description": "Subscription sign-up",
  "PaymentAgreementRequest": {
    "clientTransactionId": "your-unique-id",
    "agreementStartDate": "2026-04-13",
    "agreementEndDate": "2027-04-13",
    "agreementFrequency": "MONTHLY",
    "agreementMaximumAmount": 50.00
  },
  "successRedirectURL": "https://merchant.example/success",
  "cancelRedirectURL": "https://merchant.example/cancel"
}

What the customer sees

The hosted Pay by Bank App guides the customer through the full PayTo journey, including:

entering their payment details
reviewing the payment or agreement
authorising in their banking app
seeing payment or agreement status updates in checkout

Use the checkoutUrl

Once your Payment Request has been created, use the returned checkoutUrl to direct the payer into the hosted Pay by Bank App experience.

The checkout experience will:

present the payment or agreement details to the payer
guide them through the PayTo authorisation flow
support once-off or recurring payment journeys depending on configuration
reflect the payment or agreement status through the hosted UX