Your customer covers a small 2% per payment — the only surcharge that survives the October 1 card-surcharge ban. You pay no fees, no percentage, no rent on a terminal. And the money lands in your bank account the same day.
Launching soon.
PayTo is Australia's real-time account-to-account rail. Your customer approves the payment in their own banking app — the money moves straight from their account to yours. We never hold it. No one holds it.
Their mobile is their PayID. No card number, no expiry, no CVC — nothing to type wrong, nothing to steal.
The PayID network confirms who they're paying from before a cent moves. Typos can't send money to strangers.
One tap inside the banking app they already trust — CBA, NAB, Westpac, ANZ. Your business name, the amount, the 2% fee. All up front.
Instant confirmation on your screen, money in your account the same day — weekends and public holidays included.
Your phone is the terminal. Punch in the amount, the app generates a QR code, your customer scans and approves in their banking app — and you watch it land. No $499 hardware, no rental, no pairing, no paper rolls.
On your phone, tablet, or the old laptop on the counter.
Their camera opens your payment page — nothing to download.
Your business name and the exact amount, confirmed by their bank.
Confirmation on your screen and money in your account, same moment.
From 1 October 2026, the RBA bans surcharging on eftpos, Mastercard and Visa — debit and credit. The RBA doesn't regulate surcharges on non-card payment methods. PayTo is account-to-account, not a card. So the small 2% your customer pays stays perfectly legal — while every card surcharge in the country switches off.
Sources: RBA Review of Merchant Card Payment Costs and Surcharging — Conclusions Paper, March 2026. Surcharging remains permitted on payment methods outside the ban. Always confirm your obligations with your adviser.
No monthly fee. No percentage of sales. No per-transaction cost to your business. The customer pays a small 2% — it's on their receipt, not your invoice.
Money lands in your bank account the day it's paid — not T+2, not after the weekend, not after a UK bank holiday. Your cash flow stops waiting on someone else's banking calendar.
Sell a coffee or a 10-class pack. Bill a regular weekly or monthly — with mandates your customer can see and control in their own bank app. Direct debit, modernised.
No $499 terminal to buy. No 24-month contract. No exit fees. If you ever leave, your customer list and payment history leave with you — free export, always.
Whether you take bookings, send invoices, or point at a QR code on your counter — it's the same free account, the same small 2%, the same same-day settlement.
A virtual terminal in your pocket. Customer scans, approves in their bank app, you hear the cha-ching. No terminal rental, ever.
Text or email a link after a quote, a consult, a deposit request. Paid before they've left the driveway.
Appointments, classes, deposits, no-show protection — the whole booking system is free when you take payments with us.
Memberships, retainers, weekly cleans. Set it once; PayTo handles the pull, the retry, and the paper trail.
| On a $50 payment… | Square | Stripe | Tyro | fairfee. |
|---|---|---|---|---|
| You receive | $49.20 | $48.83 | ~$49.30 | $50.00 |
| Monthly software fee | $0 | $0 | $0–30 | $0 |
| Settlement speed | Next day | 2 days | Next day | Same day — seconds |
| Surcharge after Oct 1, 2026 | Banned | Banned | Banned | 2% — allowed |
| Recurring billing | Extra cost | Extra % | Via add-on | Included, free |
| Terminal to buy | $65–329 | $65–329 | Rented | None — QR is free |
Your customer pays 2% per payment, shown clearly before they approve it in their banking app. On a $50 sale that's $1 — the same as the card surcharge they'll no longer be allowed to pay after October 1.
The price-lock promise. Free means free — no "introductory" anything. If we ever change the 2%, you get 12 months' notice and your data leaves with you. We've watched what happens when platforms say "free forever" and don't mean it. We mean it.
We're launching soon. Join the waitlist and we'll email you the moment your free account is ready. Early members get priority onboarding.
We'll be in touch before launch.