PayTo FAQs

Frequently Asked Questions	Answer
What is the difference between PayTo and direct debit?	PayTo Transactions will be immediately processed. Customers will be aware of the PayTo agreement and will be required to authorise these before payments are taken. ADD IN QUICK SUMMARY ON DD.
Will bank debits be in real time?	Once the PayTo agreement is authorised by the customer, payments will be immediate, with status of payment immediately sent back.
Will the merchant need to sign anything to use PayTo?	Yes, please contact your Business Development Manager if your merchant wishes to use PayTo.
Will the same API end points be used?	Yes and there will also be new ones that will be required.
Can we fall back to direct debit if PayTo fails?	Not automatically. You will need to create the direct debit as a separate bank payment method for the customer. Then, you can link the bank payment method to the invoice payment if the PayTo payment method failed.
How will the Strong Customer Authentication work?	Customers will need to authorise the PayTo agreement via their banking application.
What happens if customers reject or cancel the PayTo agreement?	No billing will occur.
Will we be notified if a customer rejects or cancels the PayTo agreement?	Yes, you’ll get an immediate webhook notification about the status change.
Will a customer need to authorise a scheduled payment every time in order for the payment to be processed?	No, a PayTo agreement is only needed to start the schedule.
If the customer has not installed the bank application, how will the customers be notified that they have to authorise the PayTo agreement?	Depending on banking institution that the customer is transacting with, it could be by email or SMS if the customer is not using the bank application.
Will the customer be informed if PayTo is not available with their bank during the payment creation process when using Ezypay Hosted payment page?	Yes, this is a key part of the PayTo payment method management flow. The user will be informed in real-time.
If a PayTo agreement was PAUSED by the customer, can Ezypay trigger an UNPAUSE?	No, depending on who is the initiator of the PAUSE action, that party will be the only one able to actioned an UNPAUSE.
If a customer has disabled the bank account that is still linked to a PayTo agreement, will there be any notification or indicator that this PayTo agreement will automatically be disabled?	We have no visibility to the customer’s bank account status until the customer’s bank returns a message that the bank account is closed. We will invalidate the PayTo payment method once we receive notification from the New Payment Platform (NPP) that the PayTo agreement status is Cancelled or if the bank returns a failed payment reason of bank account closed.
Will there be BSB validation when a PayTo option is selected in the sandbox environment (to allow partners to test the process)?	The account will be validated to ensure that it is PayTo reachable, and in the case of PayID, that there is an associated account. If the BSB is invalid, validation will fail.
Will the amount collected be instantly moved from the customer bank account to Ezypay’s wallet, once a collection was success?	Yes and payments will be settled into merchant's account based on their settlement settings.
Can merchants use PayTo for ecommerce transactions?	If the PayTo agreement has been approved by the customer and therefore marked as a valid payment method, then it can be used for any one-off payment.
Will Ezypay support PayID?	Yes, but not in the initial launch.
What happens if the customer does not use or have an online / mobile bank access?	Customers will be able to activate PayTo agreements in their bank branch.
How will joint signatory bank accounts work?	Banks will implement joint approvals via the online banking app. This won't be available on first launch.

Key Terminology for PayTo

Term	Meaning
PayTo Agreement	The agreement that records the authorised payment terms between the merchant and the customer.
Payee/Payment Initiator	The party initiating or receiving the payment.