# Commonwealth Bank PayTo API

**Canonical:** https://apis.io/apis/commonwealth-bank/cba-payto-api/  
**Provider:** Commonwealth Bank — https://apis.io/providers/commonwealth-bank/  
**Documentation:** https://developer.api.commbank.com.au/apis/payto

Commonwealth Bank PayTo API is one of 25 APIs that [Commonwealth Bank](https://apis.io/providers/commonwealth-bank/) publishes on the [APIs.io](https://apis.io/) network. Tagged areas include Payments, PayTo, Real-Time Payments, Direct Debit, and Business. The published artifact set on APIs.io includes API documentation.

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.

## Machine-readable artifacts (2)

- **Documentation** — https://developer.api.commbank.com.au/apis/payto
- **TermsOfService** — https://developer.api.commbank.com.au/terms-of-use

## Other Commonwealth Bank APIs (12)

- [Commonwealth Bank Fast Payment (Credit Transfer Initiation) API](https://apis.io/apis/commonwealth-bank/cba-fast-payment-credit-transfer-api/)
- [Commonwealth Bank NameCheck API](https://apis.io/apis/commonwealth-bank/cba-namecheck-api/)
- [CommBank Payment Gateway API](https://apis.io/apis/commonwealth-bank/cba-payment-gateway-api/)
- [CommBank API Banking for Business](https://apis.io/apis/commonwealth-bank/commbank-app-api-banking/)
- [CommBiz](https://apis.io/apis/commonwealth-bank/commbiz/)
- [CommBank International Payments](https://apis.io/apis/commonwealth-bank/commbank-international/)
- [CommBank Merchant Payments](https://apis.io/apis/commonwealth-bank/commbank-merchant-payments/)
- [CommBank Mobile App](https://apis.io/apis/commonwealth-bank/commbank-mobile-app/)
- [NetBank](https://apis.io/apis/commonwealth-bank/netbank/)
- [CommBank Yello](https://apis.io/apis/commonwealth-bank/commbank-yello/)
- [Commonwealth Bank Accounts API API](https://apis.io/apis/commonwealth-bank/commonwealth-bank-accounts-api-api/)
- [Commonwealth Bank Balances API API](https://apis.io/apis/commonwealth-bank/commonwealth-bank-balances-api-api/)

## Tags

Payments, PayTo, Real-Time Payments, Direct Debit, Business, Australia

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/commonwealth-bank/cba-payto-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/commonwealth-bank/.