{"id":52895,"date":"2026-04-17T06:11:28","date_gmt":"2026-04-17T06:11:28","guid":{"rendered":"https:\/\/www.worldfirst.com\/au\/?post_type=docs&#038;p=52895"},"modified":"2026-04-17T06:11:31","modified_gmt":"2026-04-17T06:11:31","slug":"payto-user-guide","status":"publish","type":"docs","link":"https:\/\/www.worldfirst.com\/au\/help-center\/receiving-payments\/payto-user-guide\/","title":{"rendered":"PayTo user guide"},"content":{"rendered":"\n<h2 style=\"text-align: left;\"><span style=\"font-size: 24px;text-transform:none\">How do I create a PayTo agreement?<\/span><\/h2>\n\n\n\n<div class=\"wp-block-columns has-background is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\" style=\"background-color:#8dd2fc3b\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p id=\"uf1ecb4c7\">PayTo is part of Australia\u2019s New Payments Platform (NPP), allowing you to securely authorise and pull funds directly from your bank account into your World Account. You&#8217;ll need to authorise a PayTo agreement with your bank to link your World Account.<\/p>\n<\/div>\n<\/div>\n\n\n\n<ul>\n<li>Under &#8216;Collections&#8217;, select &#8216;Top up&#8217; and &#8216;Add PayTo from your bank account&#8217;.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113307564.png\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"387\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113307564-1024x387.png\" alt=\"\" class=\"wp-image-52897\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113307564-1024x387.png 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113307564-300x113.png 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113307564-768x290.png 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113307564-1536x580.png 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113307564-360x136.png 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113307564.png 1679w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113309462.webp\"><img decoding=\"async\" width=\"1024\" height=\"558\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113309462-1024x558.webp\" alt=\"\" class=\"wp-image-52898\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113309462-1024x558.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113309462-300x164.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113309462-768x419.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113309462-1536x837.webp 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113309462-2048x1116.webp 2048w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113309462-360x196.webp 360w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113311153.webp\"><img decoding=\"async\" width=\"1024\" height=\"747\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113311153-1024x747.webp\" alt=\"\" class=\"wp-image-52899\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113311153-1024x747.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113311153-300x219.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113311153-768x560.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113311153-1536x1120.webp 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113311153-360x263.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113311153.webp 1632w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<ul>\n<li>You&#8217;ll be prompted to create a new PayTo agreement. You can link your bank account using one of the following:\n<ul>\n<li>PayID mobile number<\/li>\n\n\n\n<li>PayID email address<\/li>\n\n\n\n<li>BSB and account details<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Select the account name from the &#8216;Account name&#8217; dropdown.<\/li>\n\n\n\n<li>Set the maximum amount per PayTo transaction. [The top-up limit is AU$100,000. Banks may apply their own limits. PayTo agreement setup is subject to your bank\u2019s limits and settings.]<\/li>\n\n\n\n<li>Note: Only bank accounts in your name or your business name are supported.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113345933.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"739\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113345933-1024x739.webp\" alt=\"\" class=\"wp-image-52900\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113345933-1024x739.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113345933-300x217.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113345933-768x554.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113345933-1536x1109.webp 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113345933-360x260.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113345933.webp 1640w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113354814.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"781\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113354814-1024x781.png\" alt=\"\" class=\"wp-image-52901\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113354814-1024x781.png 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113354814-300x229.png 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113354814-768x586.png 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113354814-1536x1171.png 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113354814-360x275.png 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113354814.png 1626w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<ul>\n<li>You&#8217;ll be prompted to go to your banking app or online banking portal to authorise the PayTo agreement.<\/li>\n\n\n\n<li>Follow the prompts to authorise the agreement.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113357517.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"778\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113357517-1024x778.png\" alt=\"\" class=\"wp-image-52902\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113357517-1024x778.png 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113357517-300x228.png 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113357517-768x584.png 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113357517-1536x1168.png 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113357517-360x274.png 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113357517.png 1634w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 style=\"text-align: left;\"><span style=\"font-size: 24px;text-transform:none\">How do I top up my World Account with PayTo?<\/span><\/h2>\n\n\n\n<p id=\"u27a46ab7\">PayTo top-ups are settled in near real-time once your agreement is set up. For your first top-up, you&#8217;ll need to verify that the bank account is yours. Future top-ups can be done without the verification step.<\/p>\n\n\n\n<ul>\n<li>Under &#8216;Collections&#8217;, select &#8216;Top up&#8217; and &#8216;Pay&#8217;.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113555841.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"744\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113555841-1024x744.webp\" alt=\"\" class=\"wp-image-52903\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113555841-1024x744.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113555841-300x218.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113555841-768x558.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113555841-1536x1116.webp 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113555841-360x262.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113555841.webp 1640w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<ul>\n<li>Once you click &#8216;Pay&#8217;, you&#8217;ll be prompted to upload and submit a payment confirmation or bank statement related to your bank account.<\/li>\n\n\n\n<li>Upload the document and click &#8216;Submit&#8217;.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113611653.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"766\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113611653-1024x766.webp\" alt=\"\" class=\"wp-image-52904\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113611653-1024x766.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113611653-300x225.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113611653-768x575.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113611653-360x269.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113611653.webp 1455w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113625607.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"782\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113625607-1024x782.webp\" alt=\"\" class=\"wp-image-52905\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113625607-1024x782.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113625607-300x229.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113625607-768x587.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113625607-360x275.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113625607.webp 1453w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113638575.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"759\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113638575-1024x759.webp\" alt=\"\" class=\"wp-image-52906\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113638575-1024x759.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113638575-300x222.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113638575-768x569.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113638575-360x267.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113638575.webp 1454w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<ul>\n<li>Once the verification is processed, the funds will be available in your account.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113649124.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"778\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113649124-1024x778.webp\" alt=\"\" class=\"wp-image-52907\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113649124-1024x778.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113649124-300x228.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113649124-768x583.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113649124-360x273.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113649124.webp 1454w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113701335.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"409\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113701335-1024x409.png\" alt=\"\" class=\"wp-image-52908\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113701335-1024x409.png 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113701335-300x120.png 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113701335-768x307.png 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113701335-1536x614.png 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113701335-360x144.png 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113701335.png 1722w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113713603.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"385\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113713603-1024x385.png\" alt=\"\" class=\"wp-image-52909\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113713603-1024x385.png 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113713603-300x113.png 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113713603-768x289.png 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113713603-360x135.png 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417113713603.png 1299w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 style=\"text-align: left;\"><span style=\"font-size: 24px;text-transform:none\">How do I cancel a PayTo agreement?<\/span><\/h2>\n\n\n\n<p id=\"u2b22ec09\">You can cancel your PayTo agreement at any time from your World Account. Once cancelled, you\u2019ll no longer be able to add funds using PayTo unless you set up a new agreement.<\/p>\n\n\n\n<ul>\n<li>Under &#8216;Collections&#8217;, select &#8216;Top up&#8217;.<\/li>\n\n\n\n<li>Click on the trash can next to the PayTo agreement, and &#8216;Confirm&#8217;.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114013502.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"779\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114013502-1024x779.webp\" alt=\"\" class=\"wp-image-52910\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114013502-1024x779.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114013502-300x228.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114013502-768x584.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114013502-1536x1168.webp 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114013502-360x274.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114013502.webp 1644w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114016104.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"780\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114016104-1024x780.webp\" alt=\"\" class=\"wp-image-52911\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114016104-1024x780.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114016104-300x228.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114016104-768x585.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114016104-1536x1170.webp 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114016104-360x274.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114016104.webp 1636w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114019233.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"736\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114019233-1024x736.webp\" alt=\"\" class=\"wp-image-52912\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114019233-1024x736.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114019233-300x216.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114019233-768x552.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114019233-1536x1104.webp 1536w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114019233-360x259.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114019233.webp 1636w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<ul>\n<li>You&#8217;ll receive an email confirming the cancellation of your PayTo agreement.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114022502.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"688\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114022502-1024x688.png\" alt=\"\" class=\"wp-image-52913\" style=\"width:699px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114022502-1024x688.png 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114022502-300x202.png 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114022502-768x516.png 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114022502-360x242.png 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114022502.png 1336w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 style=\"text-align: left;\"><span style=\"font-size: 24px;text-transform:none\">How do I choose a different bank account for PayTo top-ups?<\/span><\/h2>\n\n\n\n<p id=\"u61dd4c27\">To use a different bank account, you\u2019ll need to create a new PayTo agreement with that account. Once it\u2019s set up, you can switch to the new linked account in your World Account.<\/p>\n\n\n\n<ul>\n<li>Under &#8216;Collections&#8217;, select &#8216;Top up&#8217; and &#8216;Change&#8217;.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114131684.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"777\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114131684-1024x777.webp\" alt=\"\" class=\"wp-image-52914\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114131684-1024x777.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114131684-300x228.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114131684-768x583.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114131684-360x273.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114131684.webp 1457w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<ul>\n<li>Follow the instructions for creating a new PayTo agreement.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114134925.png\"><img loading=\"lazy\" decoding=\"async\" width=\"726\" height=\"858\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114134925.png\" alt=\"\" class=\"wp-image-52915\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114134925.png 726w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114134925-254x300.png 254w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114134925-360x425.png 360w\" sizes=\"(max-width: 726px) 100vw, 726px\" \/><\/a><\/figure>\n\n\n\n<ul>\n<li>Once the new agreement is authorised, click &#8216;Change&#8217; and select the new bank account for your top-up.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114138991.webp\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"779\" src=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114138991-1024x779.webp\" alt=\"\" class=\"wp-image-52916\" style=\"width:700px;box-shadow: 1px 1px 3px 3px #EEEEEE;\" title=\"\" srcset=\"https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114138991-1024x779.webp 1024w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114138991-300x228.webp 300w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114138991-768x584.webp 768w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114138991-360x274.webp 360w, https:\/\/mdn.marmot-cloud.com\/worldfirst\/sites\/8\/2026\/04\/20260417114138991.webp 1454w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>How do I create a PayTo agreement? PayTo is part of Australia\u2019s New Payments Platform (NPP), allowing you to securely authorise and pull funds directly from your bank account into your World Account. You&#8217;ll need to authorise a PayTo agreement with your bank to link your World Account. How do I top up my World [&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>PayTo user guide | 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-user-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_AU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PayTo user guide\" \/>\n<meta property=\"og:description\" content=\"How do I create a PayTo agreement? 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