# PayTo

**Canonical:** https://apis.io/providers/payto/  
**Website:** https://www.auspayplus.com.au/brands/payto  
**APIs profiled:** 1

PayTo is Australia's real-time mandated-payments service, operated by Australian Payments Plus (AP+) as an overlay on the New Payments Platform (NPP). It lets merchants, billers, and payment service providers establish digital, pre-authorised agreements (mandates) that debit a customer's bank account in real time using either a PayID or BSB and account number, with the mandate authorised, viewed, and managed by the account holder inside their own banking app. PayTo is positioned as the modern successor to the legacy BECS direct-debit rails, adding instant settlement, richer ISO 20022 data, and central mandate management via the NPP Mandate Management Service. As a domestic rail and scheme operator, AP+/NPP Australia is documentation- and rulebook-first: it publishes the NPP API Framework (v5.0, aligned to ISO 20022) that defines the mandatory data attributes and technical approach for PayTo and NPP APIs, but it does not itself host or offer a self-serve public API. The actual PayTo APIs are implemented and exposed by NPP Participants (banks) and connected payment service providers, so the company's public developer surface is a portal, framework, sandbox, and message specifications rather than a downloadable OpenAPI.

## Kin Score — 18.6 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 18.6).

| Facet | Score |
|---|---|
| Discoverability | 66.7 |
| Contract Quality | 0.0 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 26.2 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Banking & Open Finance**: 24.1 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (1)

- **PayTo / NPP Developer Resources** — PayTo's public developer surface, published by Australian Payments Plus (AP+) and NPP Australia. Rather than a self-serve API hosted by the scheme, this covers the AP+ Developer...

## Security (1)

- **Payto Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, Australia, Real-Time Payments, Account-to-Account, ISO 20022, Direct Debit, Mandates, New Payments Platform, Scheme Operator, Open Banking

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/payto/). Scores are computed from the provider's own public artifacts under a published rubric.