PayTo

PayTo is NPP's real-time, digital mandated-debit overlay service. It lets businesses initiate real-time payments from a customer's bank account under a pre-authorised agreement, giving consumers visibility and control over recurring and one-off debits. Delivered through NPP Participants using ISO 20022 messaging and the PayTo messaging toolkit; NPP Australia publishes the service documentation and toolkit rather than a self-serve public API.

Work with this as data

Every API here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for apis

7 MCP tools reach this
  • find_apisBrowse and filter every API in the catalog.
  • get_api_artifactsOne API's artifacts, grouped by type.
  • get_openapiThe primary OpenAPI for this API.
  • find_similar_apisAPIs that look like this one.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools

Call it yourself

curl for this page
This API
curl "https://apis.io/api/v1/apis/payto"
All apis
curl "https://apis.io/api/v1/apis?limit=25"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

A second provider on the same verified email joins the account you already have.

API entry from apis.yml

apis.yml Raw ↑
aid: npp-australia:payto
name: PayTo
description: PayTo is NPP's real-time, digital mandated-debit overlay service. It lets businesses initiate
  real-time payments from a customer's bank account under a pre-authorised agreement, giving consumers
  visibility and control over recurring and one-off debits. Delivered through NPP Participants using ISO
  20022 messaging and the PayTo messaging toolkit; NPP Australia publishes the service documentation and
  toolkit rather than a self-serve public API.
humanURL: https://www.auspayplus.com.au/solutions/payto
tags:
- PayTo
- Mandated Debit
- Real-Time Payments
properties:
- type: Documentation
  url: https://www.auspayplus.com.au/solutions/payto