aid: payto
url: https://raw.githubusercontent.com/api-evangelist/payto/refs/heads/main/apis.yml
name: PayTo
kind: company
description: >-
  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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Real-Time Payments
- Account-to-Account
- ISO 20022
- Direct Debit
- Mandates
- New Payments Platform
- Scheme Operator
- Open Banking
created: '2026-07-24'
modified: '2026-07-24'
enriched: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: payto:payto-npp-developer-resources
  name: PayTo / NPP Developer Resources
  description: >-
    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 Portal (login-gated APIs and documentation sections), the NPP API
    Framework v5.0 that defines the ISO 20022-aligned data attributes and technical
    approach for PayTo agreements and payment initiation, and the NPP API sandbox for
    building and testing NPP-based solutions. The production PayTo APIs are implemented
    by NPP Participants and connected payment service providers, not by the scheme itself.
  humanURL: https://www.developers.auspayplus.com.au/
  tags:
  - PayTo
  - NPP
  - Mandates
  - ISO 20022
  properties:
  - type: DeveloperPortal
    url: https://www.developers.auspayplus.com.au/
  - type: Documentation
    url: https://www.developers.auspayplus.com.au/docs/
  - type: Documentation
    url: https://www.auspayplus.com.au/brands/nppa-for-developers
  - type: Documentation
    url: https://www.auspayplus.com.au/solutions/npp-resources-faqs
  - type: SDKDocumentation
    url: https://www.auspayplus.com.au/wp-content/uploads/2024/06/NPP-API-Framework-v5.0.pdf
common:
- type: DomainSecurity
  url: security/payto-domain-security.yml
- type: Conformance
  url: conformance/payto-conformance.yml
- type: LLMsTxt
  url: llms/payto-llms.txt
- type: GitHubOrganization
  url: https://github.com/auspayplus
- type: Website
  url: https://www.auspayplus.com.au/brands/payto
- type: DeveloperPortal
  url: https://www.developers.auspayplus.com.au/
- type: Documentation
  url: https://www.developers.auspayplus.com.au/docs/
- type: SignUp
  url: https://www.developers.auspayplus.com.au/api/auth/signup/
- type: Blog
  url: https://www.auspayplus.com.au/news
- type: Support
  url: https://www.auspayplus.com.au/contact-us
- type: TermsOfService
  url: https://www.auspayplus.com.au/terms-of-use
- type: PrivacyPolicy
  url: https://www.auspayplus.com.au/privacy-policy
- type: LinkedIn
  url: https://www.linkedin.com/company/auspayplus
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com