PayTo®

PayTo FAQs

• What is PayTo?

  PayTo is a secure payment option that lets consumers pay directly from your bank account using your PayID, or BSB and account number. PayTo gives consumers more visibility and control over their payments in the security of their NetBanking platform and enables merchants and businesses to initiate payments from their customers’ bank accounts.

• How does PayTo work?

  When PayTo is selected as your chosen payment method, the business or merchant will establish a PayTo agreement with you to pay for goods or services. You will provide the account details to debit, either being a BSB and account number or a registered PayID, the amount to be debited and the frequency. It can be a one-off, ad-hoc or recurring payment.

  The PayTo agreement will appear in your secure NetBanking profile for you to review the details and authorise, in advance of any physical payments being processed. Once you have authorised the agreement, the business/merchant may debit your account according to the terms that you have agreed.

• Is PayTo replacing Direct Debits?

  PayTo may be used as a digital and more modern alternative to the current direct debit system. Some merchants and businesses will move their direct debits to PayTo to give customers a better customer experience with more visibility and control over their payments.

  For current SCCU customers with Direct Debit agreements in place you will be automatically shifted to PayTo as merchants engage with the service, and customers will still be notified to Accept the updates agreement.

• How do I set up a PayTo agreement?

  A PayTo agreement can only be set up by a business or merchant (known as a Payee) once you have supplied them your banking details.

  For businesses: wanting to offer PayTo agreements to your customers you will need to investigate the required process directly with PayTo – visit their website to get started. Once set up with PayTo you will then be able to manage your PayTo Agreements via your SCCU NetBanking.

  For individuals: PayTo cannot be used by an individual to debit the account of another individual. For example, on the Amazon website when finalising a purchase, you can select PayTo as your nominated payment method. You will be asked to provide your PayID (mobile number), or bank account details (BSB and account number), as well as the maximum amount (up to $1000) allowed per transaction. You will have a short period to authorise the agreement that Amazon will send through to you via NetBanking. You will also receive notification from SCCU via email or SMS that the agreement is available and awaiting action from you

• Why should I use PayTo?

  PayTo is an easy, secure payment option giving you more control over payments from your bank account. See all your PayTo agreements in one spot in NetBanking so you can easily keep track of when your payments are due, who is being paid and the amounts. You can pause, cancel and make certain changes to agreements in NetBanking too. PayTo also allows you to use your bank account directly for payments – now you just need your PayID, or BSB and account number!

• Where on Netbanking do I find my PayTo agreements?

  To find your PayTo agreements in NetBanking, follow the steps below:

  1. Log in to NetBanking
  2. Click on the ‘Payments’ menu
  3. Select ‘PayTo Agreements’
  4. You will see two tabs, ‘Current PayTo Agreements’ where you will see any new, active or suspended agreements or ‘Prior PayTo Agreements’ to view any cancelled, recalled or declined agreements
• Where on the SCCU Mobile App do I find my PayTo agreements?

  PayTo agreements are not yet available to view via our Mobile App.

• Will loan customers have a PayTo agreement with SCCU for their repayments?

  No, as we are not set up as a commercial entity to create agreements between ourselves and customers.

• How do I know when I have been sent a new PayTo agreement to action?

  Customers will receive notifications via email or SMS about new or updated PayTo agreements. You will need to login into your NetBanking to manage the agreement – whether that is to accept, deny, pause, or cancel the agreement.

• How do I authorise a new PayTo agreement?

  To authorise a PayTo agreement, follow the steps below:

  1. Log in to NetBanking
  2. Click on the ‘Payments’ menu
  3. Select ‘PayTo Agreements’
  4. Under the tab ‘Current PayTo Agreements’ click on the details of the new agreement which will have a status of “Action Required”. The payment terms are displayed for you to check**.
  5. If you are ready to authorise it, click on the ‘Authorise’ button**. You will require an SMS OTP to complete this action.
  6. The PayTo agreement will be marked with a ‘Active’ status.

  **Before authorising the agreement, check the arrangement details carefully. If you have any questions about a PayTo agreement, you should contact the business or merchant to discuss before authorising it.

• How do I decline a new PayTo agreement?

  To decline a PayTo agreement, follow the steps below:

  1. Login to Netbanking
  2. Click on the ‘Payments’ menu
  3. Select ‘PayTo Agreements’
  4. Under the tab ‘Current PayTo Agreements’ click on the details of the new agreement which will have a status of “Action Required”. The payment terms are displayed for you to check.
  5. If you do not agree with the terms of the agreement or did not request the agreement, click on the ‘Decline’ button. You will require an SMS OTP to complete this action.
  6. The PayTo agreement will be marked with a ‘Cancelled by Payment Initiator’ status.
• What happens if I decline a PayTo agreement?

  If you do not wish to proceed with the PayTo agreement, you can select ‘Decline’. Please note that declining an agreement does not change any contractual agreement you have made with the business or merchant.

  If you find the details in the PayTo agreement are not in line with your agreement with the merchant or business, you should decline it and contact them. They will cancel the incorrect PayTo agreement and create a new, correct one for your authorisation.

• Is there a time limit for me to authorise or decline a PayTo agreement?

  Yes. You have 7 calendar days to authorise or decline an agreement.

  If you do nothing, the PayTo agreement will expire. Once a PayTo agreement expires, you will need to contact the business or merchant to send a new PayTo agreement.

• What changes can I make to a PayTo agreement in NetBanking?

  In Netbanking, you may pause/ resume a PayTo agreement or cancel it. You can also change the linked account from which payments will be deducted.

  Please be aware that pausing or cancelling a PayTo Agreement does not necessarily cease your contractual obligations with the merchant or business and they may charge fees for missed payments.

• What happens if I use a wrong PayID or BSB and account number?

  You will get a message on your NetBanking screen letting you know the details used to set up a PayTo Agreement are wrong.