Top of main content

What is PayTo?

PayTo® is a digital payments service, which gives you more visibility and control over payments from your account.

Making life easier, one payment at a time

From recurring bills and subscriptions to online shopping, PayTo lets you pre-authorise one-off or regular real-time payments, making life admin simpler.

Why use PayTo?

Control

Authorise, view and manage payments from your bank accounts, together in one place.

Convenience and flexibility

View and manage all your PayTo payment agreements, with the option to move them between accounts.

Visibility

Check when payments are due, making it easier to manage your finances and plan ahead.

Security and peace of mind

Save and manage your PayTo agreements securely, all within the HSBC Australia Mobile Banking app.

How does PayTo work?

Use PayTo to make both recurring and one-off payments to Australian businesses such as utility or phone bills, in app purchases or online shopping.

After selecting PayTo as the payment method at either an online or in-store checkout, you'll receive an agreement detailing the payment amount and date through the HSBC Australia app. You can log on to the app, review and confirm the details, and authorise the payment from your transaction account. With PayTo, you can:

Authorise or decline agreements

Review the terms of PayTo agreements you've made with 3rd parties, and decide to authorise or decline these agreements at your convenience. You can also review and authorise changes to agreements.

Make amendments to agreements

Once a PayTo agreement is created, you can cancel, pause or resume it through the app. You can also update an agreement's information such as its linked account.

Frequently asked questions (FAQs)

Does pausing or cancelling my PayTo agreement mean the contract or service is cancelled? 

Is PayTo replacing direct debit? 

Which accounts can I use to set up PayTo agreements? 

Can I set up PayTo agreements without downloading the HSBC Australia app? 

Download the HSBC Australia app to get started with PayTo

You can download the HSBC Australia Mobile Banking app by scanning the QR code if you're on desktop or following the link if you're on a mobile device.

Scan the QR code

Download the app

You might also be interested in

Mobile banking  

19 million people worldwide find HSBC mobile apps the smartest way to bank – download the HSBC Australia Mobile Banking app today.

BPAY and payments  

Pay your bills more quickly, easily and securely wherever you are with BPAY.

Move money  

Easily transfer money between your accounts or to someone else

Important information

PayTo is a registered trade mark of NPP Australia Ltd ABN 68 601 428 737.

Back to top