If your bank account is eligible for PayTo, you can enable same-day payment processing on pay.com.au. There are two parts: enabling PayTo in your settings, then upgrading your bank account in your Wallet.

Part 1 — Enable PayTo in Settings

• 1 Navigate to Settings.
• 2 Click Payments.
• 3 Toggle on Same-day payments (PayTo). If it's already on, proceed to Part 2.

Part 2 — Upgrade your bank account

• 1 Navigate to your Wallet.
• 2 Select Upgrade on the account you want to use for same-day payments.
  Can't see "Upgrade"?

  Go to Settings > Payments and confirm the PayTo toggle is on. If Upgrade still doesn't appear, your bank account may not be supported for PayTo.

• 3 Set a transaction limit. This must be equal to or less than your bank's daily PayTo limit. Contact your bank to confirm this figure. All individual payments must be under this limit — you can make unlimited payments as long as each one stays within it.
• 4 Accept the terms and conditions and select Send Request.
  • If your account is PayTo-enabled, a PayTo agreement will be sent to your banking app.
  • If your account is not PayTo-enabled, same-day payments won't be available for this account.
• 5 Open your banking app, navigate to your PayTo agreements, and accept the pay.com.au agreement. You have 5 days to accept — after that, the agreement expires and you'll need to start again.

Your bank account is now upgraded. Payments authorised before 2pm AEST/AEDT (Sydney/Melbourne), Monday to Friday, will be processed on the same day.