DEVELOPER GUIDE

PayTo Bank Availability

PayTo continues to be rolled out across the industry, with a significant number of accounts already online. For greater clarity on PayTo availability across specific accounts, please check with the respective financial institutions that are offering these services. 🚀

This information may have changed as more banks go-live with PayTo and expand their account eligibility.

Overview

When a dispute is raised by the bank, Zepto creates the investigation, notifies your platform, and requests merchant action.

Warning

Make sure you submit evidence before the due date. Missing the deadline may result in the case being closed or rejected.

Success

Once accepted, the action request is completed and the dispute workflow progresses accordingly.

Important

Rejecting an action request without the correct review may cause avoidable operational issues.

Tip

Retrieve the investigation first, then inspect the active action request so you can present the right next step to your merchant.

Financial Institution Name	PayTo Resource	BSB or Leading BSB Digits
ANZ (Australia and New Zealand Banking Group)	General information Agreement limits Eligible accounts	01
CBA (Commonwealth Bank of Australia) Known Fraud Controls: Customer's may be referred to CBA's call centre for mandates with high risk characteristics (blank creditor field, high amount)	General information Eligible accounts	06, 76
NAB (National Australia Bank)	General information	08
Westpac Please note: it is recommended for the value of the description field within your PayTo agreement to have less than 100 characters. This limitation is expected to be overcome September/October 2024.	General information Agreement limits Eligible accounts	03, 04, 73, 74
Australian Military Bank	-	642
Australian Mutual Bank	General information	823
Australian Unity Bank	General information	825
Bank Australia Limited	General information Eligible accounts	313
BankSA	General information Eligible accounts Agreement limits
BankWaW	General information	803070
Bendigo and Adelaide Bank Limited	General information	633
Beyond Bank Australia Limited	General information Eligible accounts	325
Broken Hill Community Credit Union	General information	802378
Central Murray Credit Union	-	803188
Community First Bank	General information	512
Credit Union SA	General information Eligible accounts	805007
Defence Bank Limited Australian Mutual Bank Li	General information	833
First Option Bank	General information	802876
Geelong Bank	-	803199
Goulburn Murray Credit Union	General information	803078
Great Southern Bank	General information Eligible accounts	814, 834
Horizon Credit Union	-	802124
Illawarra Credit Union	-	802249
ING	-	923
Laboratories Credit Union	General information	802841
Macquarie Bank Limited Known Fraud Controls: All mandates over $25k will be rejected.	General information Eligible accounts	18
Northern Inland Credit Union	-	802298
Orange Credit Union	-	802129
P&N Bank (Police & Nurses Bank)	General information Eligible accounts	777
People's Choice Credit Union	General information Eligible accounts	805050
Police Credit Union	-	805005
Queensland Country Bank Limited	General information	654
RACQ Bank	General information Eligible accounts	514
RBA (Reserve Bank of Australia)	-	09
Regional Australia Bank	General information Eligible accounts	932, 721
South West Slopes Credit Union	-	802367
St.George	Agreement limits Eligible accounts	11
Suncorp Australia	General information Eligible accounts	48, 66
Teachers Mutual Bank Limited	General information Eligible accounts	812
The Mac Credit Union	General information	802388
Ubank	General information	670
Unity Bank	General information	882
Warwick Credit Union	-	817