What is PayTo?
PayTo is a real-time bank payment method built on Australia’s New Payments Platform (NPP). It allows you to authorise payments directly from your bank account to your WorldFirst account through a secure agreement approved in your banking app.
Once the agreement is authorised, you can top up your WorldFirst AUD balance quickly and securely without manually initiating a bank transfer each time.
What are the benefits of using PayTo?
Using PayTo offers several advantages:
- Fast funding – Payments are processed in near real time.
- Convenient – No need to manually initiate a bank transfer each time.
- Secure – Payments must be authorised directly in your bank’s app.
- Reliable – Reduces the risk of payment reference errors during manual transfers.
Who can use PayTo to top up their WorldFirst account?
PayTo is currently available for same-name AUD top-ups. This means the bank account used for PayTo must be held under the same legal name as your WorldFirst account holder name.
For example:
- If your WorldFirst account is under a company name, the bank account must also be under the same company name.
- If your WorldFirst account is under an individual name, the bank account must be under that same individual.
How do I set up PayTo for my AUD top-up?
- Log in to your WorldFirst account.
- Go to Top Up → AUD.
- Select Add PayTo Agreement as your funding method.
- Enter your Australian bank account details or PayID.
- Choose the Payer Account’s Name and Set max amount of this Payto agreement.
- Click Accept and Continue, a PayTo agreement request will be sent to your bank.
- Open your banking app and approve the PayTo agreement.
Once approved, you can start using PayTo to top up your AUD balance.
Which banks support PayTo?
Most major Australian banks support PayTo, including banks connected to the New Payments Platform. Availability may vary depending on your bank’s online banking features.
If you are unsure whether your bank supports PayTo, please check with your bank directly.
How long does a PayTo top-up take?
PayTo payments are typically processed near instantly, although the exact timing may depend on your bank.
Why do I need to provide Proof of Identity (POI) when setting up a PayTo agreement?
To ensure secure and compliant funding, WorldFirst currently supports same-name top-ups only for PayTo. This means the bank account used for PayTo must belong to the same individual or business name as your WorldFirst account.
When you set up a new PayTo agreement, we may ask you to provide Proof of Identity (POI) or supporting information to confirm that the bank account belongs to the same account holder.
Once this verification is completed:
- The PayTo agreement will be approved.
- Future top-ups using the same PayTo agreement will not require additional verification.
- Payments can then be settled in near real time to your WorldFirst AUD account.
This one-time verification helps us maintain a secure funding process while enabling faster and smoother payments afterwards.
Is there a limit on PayTo top-ups?
Worldfirst allows maxmium $100,000 AUD for each Payto Agreement. However, your bank may apply daily or transaction limits for PayTo payments. These limits are set by your bank, not by WorldFirst.
Please check with your bank if you are unsure about your payment limits.
Can I cancel or modify a PayTo agreement?
Yes. PayTo agreements can be managed through your banking app. Depending on your bank, you may be able to:
- View the agreement
- Pause payments
- Cancel the agreement
- Change linked bank accounts
If an agreement is cancelled, you will need to create a new one before using PayTo again.
You can also cancel or delete a Payto agreement from Worldfirst in the Top up section.
Can I use a third-party bank account to top up via PayTo?
No. PayTo top-ups currently support same-name funding only. The bank account used must match the name on your WorldFirst account.
This helps ensure secure and compliant funding of your account.
What should I do if my PayTo agreement is not approved?
If your PayTo agreement request does not appear in your banking app or is rejected, please:
- Check that your bank supports PayTo.
- Confirm that the bank account name matches your WorldFirst account name.
- Try creating the agreement again.
If you continue to experience issues, please contact us (https://www.worldfirst.com/au/help-support/contact-us/).
Can I still use other funding methods?
Yes. PayTo is an additional funding option. You can continue to top up your WorldFirst account using other available methods, such as bank transfers.
Is PayTo safe?
Yes. PayTo is a secure payment system built on Australia’s New Payments Platform and supported by Australian banks. Each agreement must be authorised in your bank’s own secure environment before payments can be made.
