Embedded Pay by Bank for the entire payment journey
Deploy PayTo-powered payment experiences into your existing customer channels through APIs, SDKs, or hosted journeys. Real-time bank payments, embedded across onboarding, billing, reminders and recovery, without rebuilding your stack.
Total Due
$350.00
Hi John,
Your latest energy bill is now due.
Set up a secure PayTo agreement with your bank.
Don't have a PayID? Use bank details
Why billers choose Glider's Pay by Bank
Embedded customer experiences
Branded, in-context payment journeys customers can complete in a few taps. Authorise from a banking app, no card details to enter, no manual BSB, no friction. Embedded into your channels, styled as yours.
Lower payment costs
PayTo uses a flat fee per transaction rather than a percentage of the payment amount, making it particularly cost-effective for higher-value bills and collections.
Real-time payment confirmation
Payments settle instantly via the NPP, giving billing teams real-time visibility and eliminating the T+3 to T+5 day wait for card or direct debit settlements.
Future-ready payment infrastructure
Direct debit has been the default for decades, but the industry has committed to moving to modern real-time alternatives. PayTo is where investment and innovation are heading. Getting familiar with it now puts you ahead of the curve.
Deploy Pay by Bank your way
Glider is API-first, with SDKs, configurable components and hosted experiences on top, so you choose how deep to integrate.
APIs
Best for: full custom orchestration
Full orchestration and custom integration. Build bespoke bank payment journeys directly into billing systems, CRMs and internal tools using Glider's APIs and webhooks.
SDKs & Components
Best for: embedding into existing apps
Drop-in payment components and SDKs for web and mobile. Configurable PayTo flows you can embed into existing checkouts, portals and apps without designing from scratch.
Hosted & White-Label Experiences
Best for: launching without engineering lift
Branded, hosted payment journeys you can launch through SMS, email, QR and agent channels, fully managed by Glider and styled as yours.
From request to confirmation
Pay by Bank is built natively into Glider's payment experiences, so the same flow you embed via API, SDK or hosted journey delivers a consistent real-time bank payment every time.
1. Payment request
Payment Request
SMS delivery
Hi John,
Your loan payment of $2,350.00 for account number ACC-7890 is due now.
Pay now: pay.ourloan.com/wer653sf
Thanks
Our Loan Pty Ltd
2. Select Pay by Bank
Pay by Bank
PayTo checkout
Total Amount
$2,350.00
Our Loan Pty Ltd — ACC-7890
Set up a PayTo agreement to pay directly from your bank account.
3. Authorise payment
Authorisation
Bank approval
Agreement Created
Please visit your bank app to authorise.
Generate PayTo agreement
Sent to your bank
PayTo agreement authorised
Waiting...
Payment received
4. Confirmation
Confirmation
Instant receipt
Thank you for your payment
Thursday 19 March 2026 4:05 pm
Bank payments and cards, working together
Glider acts as the payment experience layer across bank, card and digital wallet payments, combining native Pay by Bank flows with a gateway-agnostic approach so you offer the right method in the right context.
Native PayTo / Pay-by-Bank
Real-time bank payment experiences built into the platform.
Gateway-agnostic card processing
Works alongside existing card gateways and processors.
See all gateway integrationsEmbedded across the payment journey
Pay by Bank shows up wherever the customer pays, strongest at Bill, Reminder and Recovery, available across the whole journey.
01
Onboard
02
Bill Arrives
Strong fit
03
Remind
Strong fit
04
Recover
Strong fit
05
Retain
One embedded experience, every billing scenario
From routine billing to overdue balances and agent-assisted payments, the same embedded Pay by Bank journey adapts to every context, delivering a consistent customer experience and faster confirmation for your team.
Bill payments
Embed a one-tap bank payment into every bill, across SMS, email, web and portal. Customers authorise from their banking app, no card details, no failed payments from expired cards, instant confirmation back to your team.
Recurring payments
Set up a payment mandate once and draw instalments automatically at agreed intervals. Customers manage the agreement from their banking app, no paper forms, no manual reauthorisation.
Collections and arrears
When customers have overdue balances, every extra cost or step makes resolution harder. An easy bank payment option with no surcharge and instant confirmation makes it easier for customers to pay and faster for teams to resolve.
Assisted payment channels
Agents send a payment request during a call or webchat. The customer authorises from their banking app, the agent never handles card details, and the payment settles instantly with full confirmation.
See how Glider's PayTo flow works
Watch how a customer authorises a PayTo payment directly from their banking app, from payment request to confirmation.
Always the right payment experience, automatically
Glider intelligently routes customers through the right bank payment flow based on transaction value. Customers always get a smooth, guided experience. The complexity is handled behind the scenes.
PayTo
Instant authorisation via NPP
PayID
Real-time bank transfer
Payment confirmed in real time
Same outcome, regardless of amount
Built API-first
Developers can embed Pay by Bank experiences directly into billing systems, payment journeys, and customer channels using Glider's APIs.
| 1 | { |
| 2 | "customer_id": "12345", |
| 3 | "payment_method": "payto", |
| 4 | "amount": 250.00, |
| 5 | "currency": "AUD" |
| 6 | } |
Ready to give your customers a better way to pay?
Talk to us about how Glider fits into your billing and collections environment and what better payment outcomes look like for your team.