Paying with Scan & Pay

After a one-time setup (about 30 seconds), every future payment is just: scan → Passkey → done.

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 — no card network.

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 code

    Point your phone camera at the merchant's QR code. 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

    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.

  4. 4

    Payment confirmed

    The screen turns green instantly. Setup is complete — your next visit will be one gesture.

Every Visit After

Three steps, under 5 seconds.

  1. 1

    Scan the QR code

    Point your camera at the merchant's QR.

  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, these are ad-hoc agreements — the merchant can only pull funds when you initiate a purchase via passkey confirmation.
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 typically appear faster than traditional card refunds.