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Is PayTo mandatory?

It is an Australian Payments Plus AP+ mandatory compliance requirement that ‘all NPP participating financial institutions’ must be able to support PayTo® Payer capabilities.

Cuscal provides its clients with the ability to support the mandatory PayTo capabilities via our PayTo Payer services. Client systems use Cuscal services to:
a) Receive Payment Initiation Requests (PIRs) and automatically send PayTo payments in response to PIRs with a valid payment agreement, and
b) Provide customers with access to the necessary PayTo payment agreement operations.

PayTo® is a registered trademark of NPP Australia Limited.