Commonwealth Bank PayTo API
Documented in CommBank's business API catalogue: PayTo is a modern digital payment solution enabling near real-time, account-to-account payments from a customer's bank account over the New Payments Platform, replacing traditional direct debit with a customer-authorised mandate model. REST-based with OAuth 2.0 security. The OpenAPI specification is not published as a public download (catalogue access is granted at CommBank's discretion behind developer registration), so no spec is wired here to avoid fabrication.