{"id":52655,"date":"2026-03-19T09:20:23","date_gmt":"2026-03-19T09:20:23","guid":{"rendered":"https:\/\/www.worldfirst.com\/au\/?post_type=docs&#038;p=52655"},"modified":"2026-03-19T09:20:28","modified_gmt":"2026-03-19T09:20:28","slug":"payto","status":"publish","type":"docs","link":"https:\/\/www.worldfirst.com\/au\/help-center\/receiving-payments\/payto\/","title":{"rendered":"Receiving Payments via Payto"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"1f62fa6e\" style=\"font-size:24px\"><span style=\"font-size: 24px;text-transform:none\">What is PayTo?<\/span><\/h2>\n\n\n\n<p id=\"uc81b45e4\">PayTo is a real-time bank payment method built on Australia&#8217;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.<\/p>\n\n\n\n<p id=\"u52feb4b9\">Once the agreement is authorised, you can top up your WorldFirst AUD balance quickly and securely without manually initiating a bank transfer each time.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cf60f03f\" style=\"font-size:24px\"><span style=\"font-size: 24px;text-transform:none\">What are the benefits of using PayTo?<\/span><\/h2>\n\n\n\n<p id=\"uecc95e76\">Using PayTo offers several advantages:<\/p>\n\n\n\n<ul>\n<li><strong>Fast funding<\/strong> \u2013 Payments are processed in near real time.<\/li>\n\n\n\n<li><strong>Convenient<\/strong> \u2013 No need to manually initiate a bank transfer each time.<\/li>\n\n\n\n<li><strong>Secure<\/strong> \u2013 Payments must be authorised directly in your bank&#8217;s app.<\/li>\n\n\n\n<li><strong>Reliable<\/strong> \u2013 Reduces the risk of payment reference errors during manual transfers.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"c90b82f3\"><span style=\"font-size: 24px;text-transform:none\">Who can use PayTo to top up their WorldFirst account?<\/span><\/h2>\n\n\n\n<p id=\"u76effdb9\">PayTo is currently available for <strong>same-name AUD top-ups<\/strong>. This means the bank account used for PayTo must be held under the <strong>same legal name as your WorldFirst account holder name<\/strong>.<\/p>\n\n\n\n<p id=\"uce21f579\">For example:<\/p>\n\n\n\n<ul>\n<li>If your WorldFirst account is under a company name, the bank account must also be under the same company name.<\/li>\n\n\n\n<li>If your WorldFirst account is under an individual name, the bank account must be under that same individual.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"d6104a50\"><span style=\"font-size: 24px;text-transform:none\">How do I set up PayTo for my AUD top-up?<\/span><\/h2>\n\n\n\n<ol>\n<li>Log in to your WorldFirst account.<\/li>\n\n\n\n<li>Go to <strong>Top Up \u2192 AUD<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Add PayTo Agreement<\/strong> as your funding method.<\/li>\n\n\n\n<li>Enter your Australian bank account details or PayID.<\/li>\n\n\n\n<li>Choose the <strong>Payer Account&#8217;s Name<\/strong> and Set <strong>max amount of this Payto agreement<\/strong>.<\/li>\n\n\n\n<li>Click Accept and Continue, a <strong>PayTo agreement request<\/strong> will be sent to your bank.<\/li>\n\n\n\n<li>Open your banking app and <strong>approve the PayTo agreement<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p id=\"uce05cd95\">Once approved, you can start using PayTo to top up your AUD balance.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"53eb946e\"><span style=\"font-size: 24px;text-transform:none\">Which banks support PayTo?<\/span><\/h2>\n\n\n\n<p id=\"u319cf9cf\">Most major Australian banks support PayTo, including banks connected to the New Payments Platform. Availability may vary depending on your bank&#8217;s online banking features.<\/p>\n\n\n\n<p id=\"uef71e5ef\">If you are unsure whether your bank supports PayTo, please check with your bank directly.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3cb2422d\"><span style=\"font-size: 24px;text-transform:none\">How long does a PayTo top-up take?<\/span><\/h2>\n\n\n\n<p id=\"ue6b1a7f8\">PayTo payments are typically processed <strong>near instantly<\/strong>, although the exact timing may depend on your bank.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"f373dcc7\"><span style=\"font-size: 24px;text-transform:none\">Why do I need to provide Proof of Identity (POI) when setting up a PayTo agreement?<\/span><\/h2>\n\n\n\n<p id=\"uddafeeb2\">To ensure secure and compliant funding, WorldFirst currently supports <strong>same-name top-ups only<\/strong> for PayTo. This means the bank account used for PayTo must belong to the <strong>same individual or business name as your WorldFirst account<\/strong>.<\/p>\n\n\n\n<p id=\"uc8961ac0\">When you set up a <strong>new PayTo agreement<\/strong>, we may ask you to provide <strong>Proof of Identity (POI)<\/strong> or supporting information to confirm that the bank account belongs to the same account holder.<\/p>\n\n\n\n<p id=\"u1974289e\">Once this verification is completed:<\/p>\n\n\n\n<ul>\n<li>The PayTo agreement will be approved.<\/li>\n\n\n\n<li><strong>Future top-ups using the same PayTo agreement will not require additional verification.<\/strong><\/li>\n\n\n\n<li>Payments can then be <strong>settled in near <\/strong><strong>real time<\/strong> to your WorldFirst AUD account.<\/li>\n<\/ul>\n\n\n\n<p id=\"u406ea1d8\">This one-time verification helps us maintain a secure funding process while enabling faster and smoother payments afterwards.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3e98b81a\"><span style=\"font-size: 24px;text-transform:none\">Is there a limit on PayTo top-ups?<\/span><\/h2>\n\n\n\n<p id=\"uf29a468f\">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.<\/p>\n\n\n\n<p id=\"u3d8f8f73\">Please check with your bank if you are unsure about your payment limits.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"301c52c6\"><span style=\"font-size: 24px;text-transform:none\">Can I cancel or modify a PayTo agreement?<\/span><\/h2>\n\n\n\n<p id=\"u892f244a\">Yes. PayTo agreements can be managed through your <strong>banking app<\/strong>. Depending on your bank, you may be able to:<\/p>\n\n\n\n<ul>\n<li>View the agreement<\/li>\n\n\n\n<li>Pause payments<\/li>\n\n\n\n<li>Cancel the agreement<\/li>\n\n\n\n<li>Change linked bank accounts<\/li>\n<\/ul>\n\n\n\n<p id=\"u5c3799d8\">If an agreement is cancelled, you will need to create a new one before using PayTo again.<\/p>\n\n\n\n<p id=\"u13340085\">You can also cancel or delete a Payto agreement from Worldfirst in the Top up section.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"c769e1eb\"><span style=\"font-size: 24px;text-transform:none\">Can I use a third-party bank account to top up via PayTo?<\/span><\/h2>\n\n\n\n<p id=\"ub0a7bbd5\">No. PayTo top-ups currently support <strong>same-name funding only<\/strong>. The bank account used must match the name on your WorldFirst account.<\/p>\n\n\n\n<p id=\"u6bba4f29\">This helps ensure secure and compliant funding of your account.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"f037cf4e\"><span style=\"font-size: 24px;text-transform:none\">What should I do if my PayTo agreement is not approved?<\/span><\/h2>\n\n\n\n<p id=\"u2b806855\">If your PayTo agreement request does not appear in your banking app or is rejected, please:<\/p>\n\n\n\n<ol>\n<li>Check that your bank supports PayTo.<\/li>\n\n\n\n<li>Confirm that the bank account name matches your WorldFirst account name.<\/li>\n\n\n\n<li>Try creating the agreement again.<\/li>\n<\/ol>\n\n\n\n<p id=\"u15b4eded\">If you continue to experience issues, please contact us (<a href=\"https:\/\/www.worldfirst.com\/au\/help-support\/contact-us\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.worldfirst.com\/au\/help-support\/contact-us\/<\/a>).<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"0421e23a\"><span style=\"font-size: 24px;text-transform:none\">Can I still use other funding methods?<\/span><\/h2>\n\n\n\n<p id=\"u81c69e09\">Yes. PayTo is an additional funding option. You can continue to top up your WorldFirst account using other available methods, such as bank transfers.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"79f51541\"><span style=\"font-size: 24px;text-transform:none\">Is PayTo safe?<\/span><\/h2>\n\n\n\n<p id=\"u49149a6c\">Yes. PayTo is a secure payment system built on Australia&#8217;s New Payments Platform and supported by Australian banks. Each agreement must be authorised in your bank&#8217;s own secure environment before payments can be made.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is PayTo? PayTo is a real-time bank payment method built on Australia&#8217;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 [&hellip;]<\/p>\n","protected":false},"author":74,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"doc_category":[39],"doc_tag":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Receiving Payments via Payto | WorldFirst AU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.worldfirst.com\/au\/help-center\/receiving-payments\/payto\/\" \/>\n<meta property=\"og:locale\" content=\"en_AU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Receiving Payments via Payto\" \/>\n<meta property=\"og:description\" content=\"What is PayTo? 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