PayTo (1.0.0)

PayTo is a modern digital payment solution enabling real-time, account-to-account payments from a customer’s bank account. Developed under the New Payments Platform Australia initiative, PayTo replaces traditional direct debit with a faster, more secure option

This API follows RESTful principles and provides a simple way to integrate PayTo functionality into your systems. It uses semantic versioning to ensure backward compatibility and includes idempotency support through the x-idempotency-id header to prevent duplicate transactions. The API is designed to be developer-friendly while maintaining the security and reliability required for financial transactions.

Download OpenAPI description

payto-send.json

payto-send.yaml

Servers

https://developer.api.commbank.com.au/

Agreements

Endpoints for creating, managing, and retrieving PayTo agreements between creditors and debtors.

Operations

Payments

Endpoints for initiating, managing, and retrieving payment transactions under PayTo agreements.

Operations

Utilities

Endpoints for auxiliary operations such as health checks and other supporting functionalities.

Operations