PayTo FAQs

No. If you have an eligible account you’ll be able to make PayTo payments.

Personal accounts:

• Complete Freedom
• Concession Account
• Retirement Access Plus 

The following business accounts are eligible to make PayTo payments when held by an individual (sole trader):

• Freedom Business Account
• Business Cheque Account Plus
• Business Access Saver
• Business Statutory Trust Account (for example, Solicitors, Real Estate, Other)
• Society Cheque Account (Business)
• GST Provision
• Commercial Money Market
• Standard Business Cheque Account
• Commercial Line of Credit
• Business Umbrella Investment Loan Account
• Business Maximiser
• Other Trust Account
• Business Maximiser Account
   

To start using PayTo, a participating business will need to send you a PayTo agreement. Once you’ve reviewed and authorised the agreement, payments will be made directly from your nominated account as agreed with the business.

No. You can make PayTo payments to any business that offers PayTo as a payment option.

PayTo is a new digital alternative to the existing Direct Debit payment method, allowing you to make and manage payments from your bank account. Giving you more visibility and control through in BankSA Internet Banking or the BankSA App, it can be used to make both regular scheduled payments like a Direct Debit, or one-off real-time payments like a credit or debit card.

To see when your next PayTo payment is due, open the relevant PayTo agreement and check the Payment Frequency. As payments are initiated by the business (biller), we’re not able to provide a list of upcoming payment dates.

If a PayTo payment is unsuccessful, we’ll let you know immediately and, where possible, explain what may have caused it to fail. Once the issue has been resolved, you may need to contact the business you have the PayTo agreement with to initiate the payment again, or call us on 13 13 76 (8am - 8pm Sydney time, Monday - Saturday) for further support.

You can pause or cancel a PayTo agreement at any time in BankSA Internet Banking or the BankSA App. Once your agreement is paused or cancelled, we’ll contact you to confirm the action you’ve taken. The business you have the PayTo agreement with will also be notified.

In most cases you should check with the business (biller) before you cancel or pause an agreement as they won’t be able to debit any further payments until the agreement is resumed or you authorise a new agreement.

You’ll need to contact the business you have the agreement with to make changes to a PayTo agreement after it’s been authorised. They'll send you an amendment request that you will need to authorise, or they will cancel the existing PayTo agreement and send you a new one to authorise.

Yes. If your PayID is linked to an account that’s eligible for PayTo, you can use your PayID instead of a BSB and Account Number to set up a PayTo agreement.

Any PayTo agreements that haven't been actioned within the required timeframe will lapse and disappear from your list of PayTo agreements. Agreements you’ve declined or that have been recalled by the business that issued them (biller) will also disappear from your list of PayTo agreements.

If you’d like to set up a new PayTo agreement with a business, you will need to contact them directly.

PayTo payments are not included in your Daily Payment Limit. Please ensure you check the details (amount and frequency) of the PayTo agreement carefully before you authorise it.

In some circumstances, acting reasonably, we may apply restrictions for certain businesses or merchants. This means:

• some businesses or merchants will not be able to send you PayTo agreements where the amount is over a certain transaction limit
• some businesses or merchants may not be able to send you any PayTo agreements

These ‘rejected’ PayTo agreements will not appear in your Internet Banking, and the business or merchant will not be able to initiate a payment from your account.

Understanding your PayTo Agreement

Your PayTo agreement can specify a regular payment schedule (e.g., monthly) with either a fixed amount or a variable amount with a limit (e.g. 'up to $100 per month'), as agreed with the business or merchant.  If the payment frequency is set to 'anytime/ad-hoc', payments will be debited at intervals determined by the business or merchant.

If there are insufficient funds in your account when a PayTo payment is due, the payment will be declined. You will need to contact the business or merchant.

By registering for Internet Banking you can view, authorise and manage your PayTo agreements securely in BankSA Internet Banking or the BankSA App. If you receive a PayTo agreement request and you’re not registered for  Internet Banking, you can call us on 13 13 76 (8am - 8pm Sydney time, Monday - Saturday) to discuss your options.

Only account owners can authorise and manage (for example, decline, cancel, or pause) PayTo agreements. This includes joint accounts owned by more than one individual. Signatories to an account can’t currently take any actions on a PayTo agreement.

We're working to make PayTo available to more customers. Right now, PayTo is only available on BankSA accounts that are both owned by individuals (including sole traders and joint accounts owned by multiple consumer customers), and are capable of making real-time NPP payments.

There may be a few reasons why you haven’t received a PayTo agreement to authorise in Internet Banking:

• We have applied payment limits or restrictions to the business or merchant
  • Some businesses or merchants may have transaction limits applied and some may be restricted from sending PayTo agreements to BankSA customers altogether
• Your account might not be eligible for PayTo
  • Find the eligible accounts here: Which accounts are eligible for PayTo?
• The PayTo agreement wasn’t actioned within the required timeframe
  • Any PayTo agreements that haven't been actioned (e.g., authorised) within the required timeframe will lapse and disappear from your list of PayTo agreements in Internet Banking
• The PayTo agreement was declined by another account owner, or recalled by the business or merchant
  • PayTo agreements that have been recalled by the business/merchant or declined by you (or declined by someone else with access to your account), will disappear from your list of PayTo agreements.

If you need to set up a new PayTo agreement with a business or merchant, you’ll need to contact them directly.