PayTo Payer Flow

PayTo is a payment method that allows customers to authorize merchants to initiate payments directly from their bank account.

Payer Flow Overview

The PayTo Payer flow involves several key steps:

1. Merchant Initiates PayTo Agreement

   • Merchant requests customer to set up a PayTo agreement
   • Customer receives a notification in their banking app

2. Customer Reviews and Authorizes

   • Customer views payment details in their banking app
   • Confirms or rejects the PayTo agreement

3. Payment Processing

   • Once authorized, payments can be initiated by the merchant
   • Faster and more direct compared to traditional payment methods

Migration Considerations

The PayTo MMS from NPP supports the ability to migrate a Direct Debit agreement to a PayTo agreement. Currently Shaype does not support this out-of-the-box, instead we recommend cancelling the Direct Debit and creating a new PayTo agreement with the same terms. This also allows a customer the opportunity to review the terms, given the faster processing of payments with PayTo, and ensure the agreement still fits their needs.