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PayTo for restaurants: taking payments without card fees

PayTo lets guests pay straight from their bank account, approved in one tap in their banking app. For a restaurant, it means orders paid without card fees.

Restaurant toolkitNovember 20263min
1 tapto approve in the banking app
$0card fees on orders paid by PayTo
Instantpayment, bank to bank

What PayTo is

PayTo is the Australian way to pay directly from a bank account. The guest picks PayTo at checkout, approves the payment in their banking app, and the money moves bank to bank, without a card network in the middle.

Why it matters to a restaurant

Card payments carry fees on every order. Orders paid by PayTo carry no card fees. On a busy venue that is a real line in the monthly costs, and it comes back to you.

How guests are nudged to use it

In counter, PayTo sits next to Visa, Mastercard, Amex and Apple Pay. Guests who pay by bank earn bonus loyalty points, so they have a reason to choose it, and you never force anyone.

Find out more

See PayTo in counter, or book a demo to see it on your own menu.

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