with PayTo payments
Earn double Qantas Points with Payments made using PayTo until 30 June 2025.+
2 Qantas Points for every $3
paid by PayTo Standard+
(0.85% + GST) ends 30 June 2025
Instead of the usual 1 Qantas Point per $3 spent
2 Qantas Points for every $1
paid by PayTo via Points Accelerator Plus+
(2.25% + GST) ends 30 June 2025
Instead of the usual 1 Qantas Point per $1 spent
Join Qantas Business Rewards free here if you’re not already a member.
Pay faster and get rewarded with PayTo
PayTo is the latest bank-to-bank payment innovation that makes managing payments fast and easy. Schedule and authorise payments directly from your bank account with same-day settlement—ensuring your suppliers are paid faster than with traditional bank transfers or card payments.
Faster Funds Settlement
Same or next day settlement, so your biller receives payments up to 3 days quicker than traditional bank account or card payments.
Increased Control & Security
Approve PayTo agreements in your online banking app. You can also pause, resume, or cancel PayTo agreements through your bank's app at any time.
Easy one time set up
Once a PayTo agreement is set up in your B2Bpay Wallet, recurring or one-off payments can be made to multiple suppliers, reducing admin time and errors.
Want to learn more? Book a demo with our friendly team and they’ll be able to take you through PayTo and answer any questions you may have.
Trusted by more than 30,000 Australian Businesses
FAQs
PayTo is a payment method (or “digital payment solution”) offered by banks, financial institutions and payment service providers in Australia.
PayTo enables you to instantly make payments directly from your bank account.
You can see your PayTo Agreements in your mobile banking app or online banking account. You can pause, cancel and make certain changes to PayTo Agreements there too.
PayTo payments (fast settlement)
- PayTo Standard (1 Qantas Point* for every $3) 0.85% + GST
- PayTo via Points Accelerator Plus Accelerated (1 Qantas Point* for every $1) 2.25% + GST
- Transactions processed before 8am on business days will be settled to your supplier the same day.
- Transactions processed after 8am will be settled the next business day.
- This is 3 business days faster than traditional bank account settlement.
- PayTo is currently available for the majority of bank accounts across Australian banks, financial institutions and credit unions.
When you add PayTo to your B2Bpay wallet, we will let you know if your bank account supports PayTo.
If you need more help, please check with your financial institution about whether they support PayTo with your bank account or when PayTo will be available.
To authorise a PayTo Agreement you need to:
- log-in to your mobile banking app or online banking account
- find the page or section where your bank displays your PayTo Agreements – a PayTo Agreement that needs your approval will be marked as “Pending authorisation” or similar
- after you click on the PayTo Agreement, the payment terms will be displayed for you to review
- if the terms and details are correct, click “Approve” or similar to authorise the PayTo Agreement and this will then be marked as “Active” or similar.
Still having trouble finding an authorisation or your PayTo Agreements? Try searching ‘PayTo’ in the search bar of your mobile banking app or online banking account. If you have any issues with finding or approving PayTo mandates, please contact your bank. Our support team is always on hand to assist where we can too.
+New and existing B2Bpay customers who make PayTo Payments from 1 June to 30 June 2025 will earn 2 Qantas Points for every $3 paid to a biller by PayTo Standard or 2 Qantas Points for every $1 paid to a biller by PayTo via Points Accelerator Plus, up to a maximum 20,000 Qantas Points. Qantas Points will be credited to the Members’ Business Rewards Account by the 14th day of the month following the eligible spend. Any claims in relation to Qantas Points under this offer must be made directly to B2Bpay by emailing [email protected]. Businesses must ensure the ABN registered with Qantas Business Rewards is saved in the B2Bpay customer profile or entered online when paying in order to earn Qantas Points.
B2Bpay is owned and operated by Zenith Payments Pty Ltd, a leading payment processing business based in Balmain, Sydney. Payment processing and merchant acquiring facilities are provided by Westpac, American Express, and other leading financial institutions. More details about Zenith Payments.A standard and tax-deductible credit card processing fee (from 1.2% excl. GST) or a bank account processing fee (from 0.65% excl. GST) applies to all payments and the applicable fee will be displayed when you set up a biller and/or when you make a payment.
*A business must be a Qantas Business Rewards Member to earn Qantas Points for business. A one-off join fee of $89.50 including GST normally applies, however this will be waived for B2Bpay customers using this link. Membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions. Qantas Points for business are offered under the B2Bpay Customer Terms and Conditions. Members will earn 1 Qantas Point for every $7 paid to the ATO by card, 1 Qantas Point for every $10 paid to all other billers by card, 1 Qantas Point for every $3 paid to a biller by bank account or PayTo (standard) and 1 Qantas Point for every $1 paid to a biller by bank account, PayTo or card for Points Accelerator Plus (accelerated). Members can also earn up to 3 Qantas Points per $1.50 paid to B2Bpay Bonus Billers. See B2Bpay website for a list of current B2Bpay Bonus Billers. Qantas Points will be credited to the Members’ Business Rewards account by the 14th day of the month following the eligible spend. Any claims in relation to Qantas Points under this offer must be made directly to B2Bpay by emailing [email protected] . Businesses must ensure the ABN registered with Qantas Business Rewards is saved in the B2Bpay customer profile or entered online when paying in order to earn Qantas Points.
