Paying with Scan & Pay

After a one-time setup (about 30 seconds), every future payment is just: scan → Passkey → done. The same PayTo agreement is then reused across every Scan & Pay merchant.

Why Scan & Pay?

Seconds, not minutes

Once set up, a single passkey confirm completes the payment — no typing, no OTP.

Bank-grade security

Your passkey authorises every payment — nothing stored on the merchant's side.

Direct from your bank

Funds leave your bank account directly through PayTo PayID.

You stay in control

View, pause, or cancel your payment agreement anytime in your banking app.

First Visit — One-Time Setup

Takes about 30 seconds. Never repeated.

  1. 1

    Scan the QR Pass

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

  2. 2

    Enter your mobile number

    Type in your Australian mobile number and verify with the code sent to your phone.

  3. 3

    Open Scan & Pay wallet

    Navigate to the Scan & Pay app. Use the wallet to send the PayTo agreement.

  4. 4

    Approve in your banking app

    Open your banking app — you'll see a PayTo agreement notification. Review and tap Approve.

    Note: You have 10 minutes to approve before the request expires.

  5. 5

    Agreement approved

    The screen turns green instantly. Your PayTo agreement is now active — you're set up to pay. From here on, every purchase is just a scan and a passkey across every Scan & Pay merchant.

Every Visit After

Three steps, under 5 seconds.

  1. 1

    Scan the QR Pass

    Point your camera at the merchant's QR Pass.

  2. 2

    Passkey

    Your device prompts for biometric confirmation.

  3. 3

    Done

    Payment complete — the screen turns green.

Frequently Asked Questions

Is there a transaction limit?
PayTo agreements are flexible. Unlike traditional daily transfer limits, you can set a transaction limit during the authorisation process that fits your specific purchase needs, allowing for high-value payments without the typical $1,000 cap found on other platforms.
What is a PayTo Agreement?
A digital authorisation between you and a merchant. For Scan & Pay, this one-time setup is reused across the platform — each purchase still requires your passkey confirmation before funds move.
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 when you're ready to shop again.
  • Cancel to remove the merchant's access entirely.
Are there fees for consumers?
No. PayTo is a standard feature offered by most Australian banks at no cost to consumers.
What if I need a refund?
Refunds are processed back to your original bank account. Because the system is real-time, funds return directly to your bank account.