For businesses managing high volumes of customer payments, traditional direct debit systems often fall short. Delays, failed transactions, and cumbersome reconciliation processes can hinder cash flow and strain customer relationships. Enter PayTo — a real-time, digital payment solution built on Australia’s New Payments Platform (NPP). Designed to modernise how businesses collect funds directly from customer bank accounts, PayTo offers instant, secure, and flexible transactions that align with evolving customer expectations.
What Is PayTo?
PayTo enables businesses to initiate real-time payments from a customer's bank account, with the customer's authorisation managed through their banking app. This eliminates the need for paper forms and provides immediate confirmation of funds, enhancing both security and efficiency.
How Does PayTo Work?
Here’s a simple step-by-step of how PayTo works:
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A PayTo agreement is initiated by a business.
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The customer receives a notification (usually via their banking app) and reviews the details.
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Once authorised, the agreement allows the business to debit the specified account under agreed conditions.
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Payments are made in real time, using the NPP infrastructure — meaning no more waiting days for funds to clear.
Glider’s PayTo Solution: Seamless Integration Across Channels
Glider delivers a PayTo solution that integrates effortlessly into existing systems. Whether through a website, mobile app, contact centre, or in-person interaction, businesses can provide a consistent and branded payment experience.
Key Benefits
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Real-Time Payments
Funds are transferred instantly, improving cash flow and reducing delays.
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Enhanced Security
Real-time account validation and fund checks minimise errors and fraud.
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Improved Reconciliation
Each payment carries richer data, simplifying back-office processes.
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Customer Convenience
Customers authorise payments via their banking app, offering control and transparency.
Intelligent Workflows and Fallbacks
Glider’s solution includes smart routing logic that detects failed or limited transactions and automatically provides alternative payment options. This ensures a smooth customer experience without manual intervention.
Why PayTo Matters for Complex Billing
Glider’s PayTo platform is fully white-labelled, highly configurable, and optimised for industries with complex billing needs — such as utilities, insurance, and sectors where amounts vary from bill to bill. By combining smart orchestration and data-driven insights, businesses can boost customer conversion and reduce friction throughout the payment journey.
Curious about PayTo and the future of real-time payments?
Discover how forward-thinking businesses are using Glider’s PayTo solution to streamline payments, reduce friction, and meet changing customer expectations.
Get in touch with one of our team to learn more.