# PayTo

**Canonical:** https://apis.io/apis/npp-australia/payto/  
**Provider:** NPP Australia (AP+) — https://apis.io/providers/npp-australia/  
**Documentation:** https://www.auspayplus.com.au/solutions/payto

PayTo is one of 3 APIs that [NPP Australia (AP+)](https://apis.io/providers/npp-australia/) publishes on the [APIs.io](https://apis.io/) network. Tagged areas include PayTo, Mandated Debit, and Real-Time Payments. The published artifact set on APIs.io includes API documentation.

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.

## Machine-readable artifacts (1)

- **Documentation** — https://www.auspayplus.com.au/solutions/payto

## Other NPP Australia (AP+) APIs (2)

- [NPP API Framework](https://apis.io/apis/npp-australia/npp-api-framework/)
- [PayID](https://apis.io/apis/npp-australia/payid/)

## Tags

PayTo, Mandated Debit, Real-Time Payments

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