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Transform your business with PayTo

Leveraging the data-rich capabilities of the New Payments Platform (NPP), PayTo delivers insight rich, convenient and trusted payment arrangements for merchants, businesses and government agencies, while consumers benefit from having more control and visibility over payments set up from their bank account.

As PayTo commences rolling out to payments service providers and financial institutions over the coming months it is set to modernise the way bank accounts are used for payments, underpinning innovation for years to come in how we pay and get paid. Representing a step change in account-to-account payments, PayTo is much more than just a real-time alternative to direct debit. PayTo streamlines in-app payments, card-on-file arrangements, funding for digital wallet and buy-now-pay-later services and recurring e-commerce payments.

Accessing PayTo

Payments service providers, fintech and enterprise interested in initiating payments themselves, or on behalf of another third-party, can connect to PayTo via Cuscal. As a market leader in the NPP, Cuscal has the scale, experience, technical knowledge and trusted industry position to help payments service providers, fintech and enterprise compete and succeed with PayTo.

Merchants, businesses and government agencies interested in offering PayTo as a payment option for customers can now access PayTo services through a payments service provider connected to the Platform. Some of the leading innovators on the Platform today have integrated with PayTo through Cuscal’s Payment Initiator Service, building on top of our service to bring to life new innovative PayTo propositions.


Established in 2019, Azupay is an Australian fintech focused on payment solutions using the New Payments Platform (NPP) technology, specialising in real-time payments using NPP and PayID to help government, business and consumers pay and get paid faster.


Eway is a global omnichannel payment provider, processing ecommerce payments for merchants through a secure and reliable online payment gateway that makes it easy to accept payments from anyone, anywhere, from any device.


Ezidebit is one of Australia’s leading online payment solution provider specialising in securely collecting Direct Debit, BPAY, EFTPOS and real-time payments for businesses.


As one of Australia’s leading subscription payment providers, Ezypay offers a suite of easy-to-use subscription management services through their cloud-based payment platform, making it easy for businesses to settle payments and generate revenue through a standalone web interface, or directly integrated into a range of industry specific partner platforms.


GoCardless is a global leader in account-to-account payments, helping businesses accelerate the collection and management of recurring and one-off payments directly from customers’ bank accounts. With a global payments network and technology platform, GoCardless processes US$30 billion of payments for 65,000 businesses across more than 30 countries every year.


Monoova supports scaling businesses with large, and often complex, ongoing transaction flows to fully automate how they receive, manage, pay and request payment of funds through one simple API integration. Its proprietary platform allows businesses to access a variety of payments functions, comprehensive reconciliation and reporting options and entirely customised real-time data.

Paypa Plane

Australian fintech Paypa Plane helps banks and PSPs rapidly evolve product offerings without changing existing infrastructure through it’s simple ‘plug-in’ over the top bank-grade platform and white-label solutions, helping banks and PSPs create closer, more valuable and long term relationships with their small and medium business customers.


Zai helps mid-market and enterprise-level business customers in the world of integrated financial services automate complex payment workflows and reconcile pay ins and payouts, helping them operate more effectively by saving time and money so they can scale and grow.

Partnership in action. Monoova and the NPP

When the New Payments Platform (NPP) rolled out on Tuesday, 13 February 2018 uptake was gradual as financial institutions rolled out NPP payment functionality to different customer segments and channels. However, as real-time payments have become more ubiquitous and innovative payment service providers have been enabled on the NPP, the growth trajectory of the platform has gone from strength-to-strength.

As one of a very small group of payment service providers to be enabled on the NPP, payment automation specialist Monoova recognised the potential of the platform early, partnering with Cuscal to access the platform and automate many of the manual processes that occur ‘before’, ‘after’ or ‘around’ payments which can be an obstacle to growth for scaling businesses.

From mid-2022 the next phase of growth for the platform commences with the launch of PayTo, enabling a broad range of use-cases which will provide a springboard for future payments innovation. Once again Monoova will be at the forefront of NPP-enabled innovation, with Monoova’s clients to be amongst the first in Australia to be able to initiate payments from a funding account with the payer customer’s authorisation.

This case study looks at how Monoova has innovated on top of Cuscal’s NPP and PayTo solutions to bring to life truly unique propositions that make managing business payments easy, providing clients with access to a true end-to-end payment automation solution that leverages all the capabilities of the NPP as well as Cuscal’s scale, expertise and trusted industry position to initiate, process and receive real-time payments.