Payments Integration · Type A

PayTo Integration

Connect Hykmah to PayTo — Australia's new NPP-based payment initiation service. Instant bank-to-bank payments with lower fees than card transactions, and mandate-based recurring billing replacing direct debit.

Instant Settlement
Lower Fees
Recurring Mandates
Australian-Native

Talk to Us View Setup Guide

1

In Hykmah: Settings → Integrations → Payments → Connect PayTo

2

Select your PayTo-enabled payment provider (Stripe, eWAY, or direct NPP participant)

3

Configure mandate templates for recurring billing schedules

4

Set up customer authorisation flow — how customers approve PayTo mandates

5

Test a PayTo mandate creation and payment in sandbox mode

Setup Time: 5–15 minutes Cost: Included in Hykmah Professional ($50/month AUD). Payment provider transaction fees apply.

Requirements: PayTo-enabled merchant account via Stripe, eWAY, or NPP participant bank Sync Type: Real-time via NPP PayTo

Recuron + PayTo Replacing Direct Debit Subscription billing with instant mandate-based collection

Challenge: A subscription business using BECS direct debit faces 3-day settlement delays, return rates for invalid bank accounts, and no real-time payment confirmation. Card fees are too high at scale.

Solution: Recuron creates PayTo mandates for each subscriber. Customers authorise via their banking app. Subsequent billing cycles collect instantly via the mandate with real-time confirmation — no 3-day BECS wait.

Result: Subscription billing fees lower than cards. Instant payment confirmation eliminates BECS settlement lag. Failed payments from invalid accounts reduced — customers must authorise in their bank app before billing starts.

Orderlink Invoice Payment via PayTo B2B invoice payment with instant settlement

Challenge: B2B customers paying Orderlink invoices via EFT require manual remittance matching. Card payments incur high merchant fees on large invoice amounts. BECS direct debit has 3-day settlement.

Solution: Orderlink invoices include a PayTo payment link. B2B customers authorise payment from their business banking app. The payment transfers instantly. Hykmah marks the invoice paid within seconds.

Result: B2B invoice payment fees lower than cards. Instant settlement eliminates debtor lag. Automatic reconciliation in Hykmah eliminates manual remittance matching entirely.

PayTo at E-Commerce Checkout Bank-pay option at checkout with lower transaction fees

Challenge: An online retailer wants to offer a bank-pay option at checkout with lower transaction fees than card payments, particularly for higher-value orders where card processing costs are significant.

Solution: PayTo offered as a payment option at the Sellwise checkout alongside cards. Customers with PayTo-enabled banking apps authorise payment directly from their bank account. Settlement is instant.

Result: Payment processing costs reduced for bank-pay transactions. Instant settlement improves cash flow compared to card settlement timing.

Instant Settlement — No Batch Lag

PayTo payments settle in real time via the NPP. No 3-day BECS clearing, no next-day card settlement. Funds transfer instantly — order fulfilment can begin immediately on payment confirmation without clearance risk.

Mandate-Based Recurring Billing

PayTo mandates replace BECS direct debit for Recuron subscription billing. Customers authorise mandates in their banking app — a familiar, trusted flow. Mandate amendment and cancellation managed from the Hykmah customer record without contacting the customer.

Lower Fees Than Card Payments

PayTo bank-to-bank transfer fees are typically lower than card interchange fees, particularly for recurring billing and high-value transactions. Businesses processing significant volumes via card may see material cost reductions by migrating recurring billing to PayTo.

Customer Authorisation via Banking App

Customers authorise PayTo mandates and payments from their own banking app — no paper DDR forms, no card details entered on merchant sites. Customers can view and manage all their PayTo mandates from within their banking app at any time.

Payment Mandates

Hykmah → PayTo: PayTo mandates created from Hykmah. Customer authorisation status tracked in real time.

Bi-directional

Payments

PayTo → Hykmah: Instant PayTo payment confirmations synced to Hykmah order and invoice records.

Real-time

Settlements

PayTo → Hykmah: Real-time NPP settlements reflected in Hykmah immediately — no batch settlement lag.

Bi-directional

Recurring Schedules

Hykmah → PayTo: Recuron subscription billing schedules drive PayTo recurring charges per mandate terms.

Bi-directional

Customer Authorisation

PayTo → Hykmah: Customer mandate approval and status updates from customer banking apps synced to Hykmah.

Bi-directional

Notifications

Hykmah → Customer: Customer email notifications on mandate creation, authorisation reminder, payment confirmation, and mandate cancellation.

Bi-directional

Mandate Created in Hykmah

For recurring billing, Hykmah creates a PayTo mandate defining the billing terms (amount, frequency, start date). The customer receives a notification in their banking app to approve the mandate — typically a 30-second process.

Customer Authorises in Banking App

The customer opens their banking app and reviews the mandate details. On authorisation, Hykmah receives real-time confirmation. The mandate is now active and can be used for recurring or one-off payments.

Payments Collected Instantly

When a payment is due (subscription billing cycle, invoice due date, or checkout), Hykmah initiates the PayTo payment against the active mandate. Funds transfer instantly. Hykmah marks the order or subscription as paid in real time.

Technical Architecture

Infrastructure — NPP PayTo via payment provider (Stripe, eWAY, or NPP participant)
Mandate creation — PayTo API via provider (JSON/REST)
Settlement — real-time NPP settlement (no batch processing)
Authorisation — customer banking app push notification
Bank support — all major Australian banks (Commonwealth, ANZ, Westpac, NAB + others)

Sync Frequency

Real-time: Payment confirmations and mandate status updates via NPP
Real-time: Settlement reflects instantly — no batch lag
Manual: On-demand mandate and payment history review available

Security & Compliance

NPP-grade security via PayTo infrastructure
No bank account credentials stored in Hykmah
Encryption in transit: TLS 1.3
Customer authorisation via banking app — no sensitive data entered on merchant site
Privacy Act 1988 (AU) compliant

System Requirements

PayTo-enabled merchant account via Stripe, eWAY, or NPP participant bank
Hykmah Professional plan or higher
Admin access to both systems
Customers must bank with a PayTo-enabled institution

1.

Confirm PayTo-Enabled Provider

PayTo requires a payment provider that supports NPP PayTo. Confirm with your provider (Stripe, eWAY, or your bank's merchant services) that PayTo is enabled on your merchant account. Contact your provider if not yet enabled.

2.

Connect in Hykmah

Go to Settings → Integrations → Payments → PayTo. Select your PayTo provider and enter the required credentials. Hykmah verifies the PayTo connection and confirms mandate creation capability.

3.

Configure Mandate Templates

Create mandate templates per billing type (recurring subscription, one-off invoice, open-ended B2B)
Configure customer notification content for mandate authorisation requests
Set mandate expiry and amendment rules

4.

Test and Activate

Create a test mandate in sandbox mode and simulate customer authorisation. Process a test PayTo payment and verify instant confirmation in Hykmah. Activate for live use and issue your first real PayTo mandate to a customer.

With Integration

PayTo payments settle instantly via NPP
Bank-to-bank PayTo fees typically lower than card interchange
Customers authorise mandates securely in their banking app
PayTo payments reconcile in Hykmah automatically on confirmation
Instant payment confirmation — fulfilment begins immediately

Without Integration

BECS direct debit with 3-day settlement lag
Card processing fees on every recurring payment
Paper DDR forms or card details entered on site
Manual remittance matching on EFT payments
No real-time confirmation — order fulfilment delayed

PayTo-enabled merchant account required via Stripe, eWAY, or NPP participant bank. Transaction fees set by your payment provider.

Contact your provider for PayTo pricing

What is PayTo and how is it different from direct debit?

PayTo is Australia's new NPP-based payment initiation service. Unlike BECS direct debit which takes 3 business days to settle, PayTo payments settle in real time. PayTo mandates are authorised by customers in their banking app, and customers can view and manage all their PayTo mandates from within their bank. PayTo offers instant settlement, higher security, and a better customer experience than traditional direct debit.

Which Australian banks support PayTo?

All major Australian banks (Commonwealth Bank, ANZ, Westpac, NAB) and many smaller banks and credit unions support PayTo. Customer adoption requires the customer's bank to support PayTo — check current bank support at the NPP Australia website. Coverage is expanding progressively.

Can PayTo replace direct debit in Recuron?

Yes. PayTo is designed as a modern replacement for BECS direct debit. Recuron can use PayTo mandates instead of — or alongside — direct debit for Australian subscribers. PayTo offers instant settlement confirmation versus 3-day BECS clearing.

What happens if a customer cancels their PayTo mandate?

If a customer cancels a PayTo mandate via their banking app, Hykmah receives an immediate cancellation notification. For Recuron subscriptions, this triggers the payment failure workflow — the customer is notified and prompted to establish a new payment method. The subscription is paused until a new payment method is confirmed.

Are PayTo fees lower than card processing fees?

Yes. PayTo bank-to-bank transfer fees are typically lower than card interchange fees, particularly for recurring billing and high-value transactions. The exact fee savings depend on your payment provider's pricing.

Is there a cost for the PayTo integration?

No. The PayTo integration is included in Hykmah Professional ($50/month AUD), Premium and Enterprise at no additional cost. Your payment provider's transaction fees apply separately.

Customer not receiving mandate authorisation notification

Customer's bank does not yet support PayTo, or notifications not enabled in the customer's banking app.

Fix: Confirm the customer's bank supports PayTo. If not yet supported, use an alternative payment method (card or BECS direct debit) until their bank's PayTo rollout is complete. Ask the customer to check push notification settings in their banking app.

Payment declined despite active mandate

Insufficient funds in customer account, mandate amount limit exceeded, or mandate suspended by customer's bank.

Fix: Check the PayTo payment failure reason code in Hykmah's payment log. Recuron's dunning workflow triggers automatically for mandate payment failures. Contact the customer to resolve insufficient funds or mandate issues.

Mandate creation failing

PayTo not enabled on merchant account, API credentials expired, or mandate parameters outside provider limits.

Fix: Verify your merchant account has PayTo enabled by your payment provider. Confirm PayTo API credentials are current in Hykmah. Check mandate parameters — some providers have minimum and maximum amount restrictions on PayTo mandates.

Settlement not appearing as instant

Some payment providers batch NPP settlements even though the NPP rail itself is instant.

Fix: Contact your payment provider to confirm they are passing through real-time NPP settlement to your account. If batching is occurring at the provider level, settlement timing is provider-dependent, not an NPP limitation.

Stripe

Global payment processing including PayTo, BECS Direct Debit, and card payments for Australian businesses.

View Stripe

eWAY

Australian-native payment gateway with BECS Direct Debit and credit card processing.

View eWAY

Xero

Sync PayTo payment records from Hykmah to Xero for automated accounting reconciliation.

View Xero

MYOB

Sync payments and invoices from Hykmah to MYOB for Australian business accounting.

View MYOB

Ready to Accept PayTo Payments?

Australia's new real-time payment system, natively integrated with Hykmah. Lower fees, instant settlement, and mandate-based recurring billing replacing direct debit. Setup in 5–15 minutes.

Book My Demo Get Started Free

Instant settlement — real-time NPP, no batch lag

Australian support — Mon–Fri 9am–5pm AEST

$50/month — PayTo integration included, provider fees apply per transaction

Australian-native — built for the Australian market

No lock-in contracts — Cancel anytime

PayTo Integration

How to Connect PayTo to Hykmah

How Australian Businesses Use PayTo Through Hykmah

Recuron + PayTo Replacing Direct Debit Subscription billing with instant mandate-based collection

Orderlink Invoice Payment via PayTo B2B invoice payment with instant settlement

PayTo at E-Commerce Checkout Bank-pay option at checkout with lower transaction fees

Australia's New Payment Rail, Natively Integrated

Instant Settlement — No Batch Lag

Mandate-Based Recurring Billing

Lower Fees Than Card Payments

Customer Authorisation via Banking App

What Syncs Between Hykmah and PayTo

Payment Mandates

Payments

Settlements

Recurring Schedules

Customer Authorisation

Notifications

How the Integration Works

Mandate Created in Hykmah

Customer Authorises in Banking App

Payments Collected Instantly

Technical Architecture

Sync Frequency

Security & Compliance

System Requirements

Connect PayTo to Hykmah in 4 Steps

Confirm PayTo-Enabled Provider

Connect in Hykmah

Configure Mandate Templates

Test and Activate