PayTo payments

Learn how to accept the PayTo payment method.

PayTo is a real-time payment method in Australia for accepting one-time and recurring payments. When paying with PayTo, customers authenticate and approve mandates using their mobile banking app or online banking.

You get delayed notification on whether the payment succeeded or failed. Stripe typically sends a notification of the final status of the payment within 60 seconds of the mandate authorization.

Checkout

Elements

Direct API

Determine compatibility

To support PayTo payments in Checkout, express all Prices for all line items in AUD (currency code aud).

Accept a payment

Note

This guide builds on the foundational accept a payment Checkout integration.

To enable Payto as a payment method, create a new Checkout Session:

Enable PayTo in your Dashboard. Stripe automatically displays PayTo to eligible customers using dynamic payment methods . If you currently specify payment _ method _ types , see the migration guide .
Make sure all your line _ items use the aud currency.

Command Line

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cURL

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Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Test your integration

Test your PayTo integration with your test API keys by using the various test PayIDs and bank account details below. Each set of details results in a different scenario your integration might commonly face in live mode.

PayID	Description

`{any_prefix}+succeed@{any_domain}`	The PaymentIntent status transitions from `requires_action` to `processing` after 10 seconds, then transitions to `succeeded` after an additional 5 seconds.
`{any_prefix}+decline@{any_domain}`	The PaymentIntent status transitions from `requires_action` to `requires_payment_method` after 10 seconds. Stripe returns the `payment_method_provider_decline` error code and an `invalid_authorization` decline code.
`{any_prefix}+expire@{any_domain}`	The PaymentIntent status transitions from `requires_action` to `requires_payment_method` after 10 seconds. Stripe returns the `payment_method_provider_timeout` error code and a `generic_decline` decline code.
`{any_prefix}+insufficient_funds@{any_domain}`	The PaymentIntent status transitions from `requires_action` to `processing` after 10 seconds, then transitions to `requires_payment_method` after an additional 5 seconds. Stripe returns the `payment_method_provider_decline` error code and an `insufficient_funds` decline code.
`{any_prefix}+agreement_type_not_supported@{any_domain}`	The PaymentIntent status transitions from `requires_action` to `requires_payment_method` after 10 seconds. Stripe returns the `payment_method_provider_decline` error code. The mandate enters an `inactive` state.