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mandates

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PayTo is Australia's real-time mandated-payments service, operated by Australian Payments Plus (AP+) as an overlay on the New Payments Platform (NPP). It lets merchants, billers, and payment service providers establish digital, pre-authorised agreements (mandates) that debit a customer's bank account in real time using either a PayID or BSB and…

  • Updated Aug 2, 2026

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