The New and Faster
Way to Make Payments

The New and Faster
Way to Make Payments

PayTo Benefits

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.

Earn Qantas Points

Earn 1 Qantas Point for every $3 paid with PayTo Standard* or ‘accelerate’ the payment with PayTo with Points Accelerator PLUS to earn 1 Qantas Point for every $1*.

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.

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.

How PayTo works

Make one-off, bulk, automatic or future-dated payments

Quick and simple setup

Add "PayTo" as a new payment method in your B2Bpay wallet.

Authorise PayTo

Log in to your bank’s app or online banking to approve the PayTo agreement.

Make a payment with PayTo

Start paying your suppliers with faster settlements using PayTo.

Boost your Qantas Points earning potential

Choose to use 'Points Accelerator PLUS' with your PayTo payments to earn even more Qantas Points.*

Earn Qantas Points every time you pay with PayTo

Earn Qantas Points

1 Qantas Point for every $3

paid by PayTo Standard (0.85% + GST)*

Earn Qantas Points

1 Qantas Point for every $1

paid by PayTo with Points Accelerator Plus (2.25% + GST)*

Frequently Asked Questions

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 Accelerated (1 Qantas Points 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 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. 

Don't just take it from us

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Linda Octalina profile picture
Linda Octalina
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
The response was very prompt, and my application was processed quickly. All done quickly by Anna Banno
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Jeremiah Mclellan profile picture
Jeremiah Mclellan
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Great service from all team members, prompt and reliable assistance ( thanks Matthew Maurice:)) and the best bit is as a merchant we don't get charged for accepting payments for our services! All good, thank you
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Jason Hawker profile picture
Jason Hawker
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At TFH Mid North Coast, we’ve recently come on board with B2B Pay and couldn’t be happier. Running a busy business, we needed a payment solution that was simple and reliable, and B2B Pay has delivered exactly that. Making payments is quick and stress-free, which saves us valuable time day-to-day. A special mention to Matt, who has been fantastic to deal with — he made the whole process seamless and easy from the start. We’re already seeing the benefits and know it will continue to support our growth moving forward. Highly recommend B2B Pay to any business looking for an efficient and straightforward solution.
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accounts profile picture
accounts
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Daniel was incredibly helpful and knowledgeable in ascertaining our needs as a new user. He was patient and reassuring, making sure that I understood each segment before moving on to something else. Thanks Daniel, you were great!
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Tony Newman profile picture
Tony Newman
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I have recently set up B2B Pay for our business and Anna Banno was great to work with, she made this whole process as simple as possible and was always available to help out when required during the set-up stages, i would highly recommend Anna and B2B Pay, thanks for your help Tony.
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David Paterson profile picture
David Paterson
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I have used B2BPay for 8 years and love the simplicity of how they work. Anna Banno has been my main contact for most of these years and is fantastic at her job and has made it so easy to work with B2BPay
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Michael Cox profile picture
Michael Cox
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
A huge thank you to Anna Banno for her outstanding support in getting our B2B Pay system up and running. Anna made what could have been a complex and time-consuming process feel simple, efficient, and stress-free. Her knowledge, professionalism, and attention to detail ensured everything was set up correctly and smoothly from the start. She explained each step clearly, answered every question with patience, and followed through to make sure we were fully supported throughout. Anna is an absolute asset—organised, proactive, and a pleasure to work with. We’re incredibly grateful for her help and wouldn’t hesitate to recommend her to anyone needing expert assistance with B2B payment systems.
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Indianna Symons profile picture
Indianna Symons
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Took a bit of setting up, but worth it. The team made it a much easier process than I anticipated.
Posted on Google Google
Paula Van der Kooi profile picture
Paula Van der Kooi
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Excellent customer service and support. Thank you so much Matthew. Your constant support and dedication has helped our companies immensely. We really appreciate it. Highly recommend.
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Billy Van der Kooi profile picture
Billy Van der Kooi
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The Team at B2B pay have been extremely supportive over the past 7 years and we always appreciate your professionalism. Thanks Mathew

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. 

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2. We will then set up your account and payment page.

3. Finally we will help you get a ‘pay now’ link on your invoices that will direct to your payment page.

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