Consumer Guides

Paying with PayTo

Set up a PayTo agreement once to confirm later payments in the app.

Setting up PayTo #

  1. 1

    Scan the QR Pass

    Point your phone camera at the merchant's QR Pass and tap the link that appears.

  2. 2

    Create your account

    Follow the steps in the app to create your account.

  3. 3

    Open Scan & Pay wallet

    Follow the in-app steps to set up PayTo. Use the wallet to send the PayTo agreement to your bank.

  4. 4

    Approve in your banking app

    Your banking app shows the PayTo agreement. Review it and tap Approve.

  5. 5

    You're set up

    Your PayTo agreement is active, and later purchases take a scan and confirmation.

Paying after setup #

Three steps to complete a payment.

  1. 1

    Scan the QR Pass

    Point your camera at the merchant's QR Pass.

  2. 2

    Confirm the payment

    Confirm the payment in the app.

  3. 3

    Payment complete

    The screen turns green to confirm the payment.

Frequently Asked Questions #

Is there a limit per payment?
Yes. Each payment under your Scan & Pay PayTo agreement can be up to $5,000.
What is a PayTo agreement?
A standing authorisation you approve in your banking app. With Scan & Pay you set it up once — each purchase still needs your confirmation before any money moves.
How do I manage my payments?

Inside your mobile banking app you can view all active PayTo agreements and:

  • Pause to stop future payments.
  • Resume to allow payments again.
  • Cancel to end the agreement completely.
Are there fees for shoppers?
Scan & Pay does not charge shoppers a fee for payments. Merchants pay a per-transaction fee.
What if I need a refund?
The merchant issues the refund, and the money returns to the bank account you paid from.