PayTo
PayTo is a real-time payment method in Australia for accepting one-time and recurring payments.
Capture more sales
Reduce cart abandonment and increase conversion with local buyers by offering them their preferred real-time payment method.
Lower transaction costs
Capture cost savings on transaction fees compared to cards.
Provide global coverage
Adapt to customer preferences and expand into new markets with access to 100+ payment methods used by buyers around the world.
Launch faster
Launch payment methods with a single integration using the Payment Element or Checkout—no additional engineering work required.
Features
Customer locations
Australia
Presentment currency
AUD
Payment method family
Real-time payments
Payout timing
Standard payout timing applies
Refunds / Partial refunds
Yes/Yes
Payment confirmation
Customer-initiated
Recurring payments
Yes
Dispute support
Yes
Connect support
Yes
Available in
Australia
How it works
Pay with PayTo
Customers provide unique bank details at checkout, to initiate agreement authorization. Customers then receive a request from their bank to authorize the PayTo agreement.
1
Select PayTo
Customer selects PayTo from the list of payment methods displayed at checkout.
2
Enter bank details
Customer provides either their PayID or bank account details to initiate authorization.
3
Authorize transaction
Customer receives request from their bank to authorize the PayTo transaction.
4
Payment complete
Customer is notified that payment is complete.
Continue checkout
Getting started
Easily launch and manage payment methods on Stripe
Get started in minutes
Start accept payments on your site by integrating Stripe Payment Element and Checkout.
Manage with no code
Add and manage payment methods with just a click in your Settings.
Access unified reporting
See all payments made with payment methods within the Stripe Dashboard.
Resources
A guide to types of payment methods
A complete guide that lists the different types of payment methods available to help you understand and select the right payment options for your business.
Explore countries
Global payments, local expertise
See how consumer payment method preferences vary across the world.
Roughly 70% of ecommerce payments are made with credit cards. Japan has a unique mix of local payment methods such as Konbini and bank transfers, which remain popular.
Popular payment methods
-
Visa
-
Mastercard
-
JCB
-
American Express
-
Konbini
-
Bank Transfers (Furikomi)
-
PayPay
Payment method share
- Card: 70 %
- Wallets: 3 %
- Bank debits: 0 %
- Bank redirects: 0 %
- Bank transfers: 5 %
- Buy now, pay later: 0 %
- Cash based vouchers: 15 %
- Other: 7 %
83% of point-of-sale payments in Australia were contactless in 2019, making Australia the world's largest contactless payments country. Digital wallets have since gained traction with roughly 25% of card payments being done through a digitial wallet in 2022.
Popular payment methods
-
Visa
-
Australian BECS Direct Debit
-
Afterpay/Clearpay
-
American Express
-
Mastercard
-
eftpos Australia
-
Apple Pay
-
Google Pay
-
Click to Pay
-
Zip
Consumers in Canada primarily use credit cards or debit cards, with digital wallets gaining popularity.
Popular payment methods
-
Visa
-
Mastercard
-
Interac
-
American Express
-
Pre-authorized debits
-
Affirm
Cartes Bancaires (CB) is the largest domestic card network in France, accounting for approximately 80% of in-person payments and 60% of online payments.
Popular payment methods
-
Cartes Bancaires
-
PayPal
-
SEPA bank transfers
-
SEPA Direct Debit
-
Visa
-
Mastercard
-
Apple Pay
-
Google Pay
-
Klarna
-
Alma
Wallets like PayPal are the preferred way to pay online, with buy now, pay later increasing in popularity.
Popular payment methods
-
PayPal
-
Visa
-
Mastercard
-
SEPA Direct Debit
-
SEPA bank transfers
-
Klarna
-
Apple Pay
-
Google Pay
A more mature population that favors cash purchases in-store has resulted in slower growth in the ecommerce market than in other European countries. However, 37% of the population made their first online purchases due to the
pandemic.
Popular payment methods
-
PayPal
-
Visa
-
Mastercard
-
Apple Pay
-
SEPA Direct Debit
-
SEPA bank transfers
-
Google Pay
-
American Express
-
Klarna
-
Satispay
Roughly 70% of ecommerce payments are made with credit cards. Japan has a unique mix of local payment methods such as Konbini and bank transfers, which remain popular.
Popular payment methods
-
Visa
-
Mastercard
-
JCB
-
American Express
-
Konbini
-
Bank Transfers (Furikomi)
-
PayPay
Roughly 50% of consumer payments for online purchases are made via FPX and digital wallets in Malaysia. Cash on delivery remains a popular form of payment, representing about 11% of online purchases.
Popular payment methods
-
FPX
-
Visa
-
Mastercard
-
GrabPay
-
Google Pay
-
American Express
-
Alipay
-
WeChat Pay
-
Touch'n Go
With a low banked population, most prefer making payments using cash at convenience stores in Mexico. Additionally, 30–40% of all ecommerce spend is made using an installment plan.
Popular payment methods
-
Visa
-
Mastercard
-
Mexico bank transfers (SPEI)
-
OXXO
-
American Express
-
Meses Sin Intereses
iDEAL, a local payment method that provides bank transfers for online payments, serves all Dutch consumer banks. It dominates the online payments landscape and accounts for 69% of digital purchases. More than 90% of local sellers now accept iDEAL.
Popular payment methods
-
iDEAL
-
Mastercard
-
SEPA Direct Debit
-
Klarna
-
PayPal
-
SEPA bank transfers
-
Visa
-
Apple Pay
Buy now, pay later as a payment method is rapidly growing in New Zealand, and expected to account for 17% of all ecommerce transactions by 2025.
Popular payment methods
-
Visa
-
Mastercard
-
Afterpay/Clearpay
-
American Express
-
Apple Pay
-
Google Pay
-
New Zealand BECS Direct Debit
BLIK, a bank redirect method, is the most popular mobile payment method, representing 54% of ecommerce mix in 2021.
Popular payment methods
-
BLIK
-
Przelewy24
-
Visa
-
Mastercard
-
Apple Pay
-
Google Pay
-
PayPal
While card penetration in Singapore is the highest in the region, local payment methods including digital wallets and real-time payments are popular. PayNow is the fastest-growing payment method.
Popular payment methods
-
Visa
-
Mastercard
-
PayNow
-
Apple Pay
-
GrabPay
-
American Express
-
China UnionPay
-
Google Pay
-
Alipay
-
WeChat Pay
Spain has traditionally been a cash-centric market, although that is changing. Digital wallets have increased in popularity, accounting for a significant portion of online purchases.
Popular payment methods
-
Visa
-
PayPal
-
Mastercard
-
SEPA Direct Debit
-
SEPA bank transfers
-
Klarna
-
Apple Pay
-
Google Pay
Sweden has the highest rate of decline for cash use worldwide. Digital payment methods such as buy now, pay later and mobile wallets are the standard.
Popular payment methods
-
Klarna
-
Swish
-
Mastercard
-
Visa
-
Apple Pay
-
Click to Pay
-
Google Pay
-
PayPal
The UK is the most card-centric market in Europe, with an average of more than two cards per person.
Popular payment methods
-
Visa
-
PayPal
-
Mastercard
-
Bacs Direct Debit
-
Klarna
-
UK bank transfers
-
Apple Pay
-
Google Pay
-
American Express
-
Revolut Pay
Credit cards remain the dominant payment method, with digital wallets gaining popularity.
Popular payment methods
-
Visa
-
Mastercard
-
American Express
-
ACH Direct Debit
-
Apple Pay
-
USD bank transfers
-
Klarna
-
Google Pay
-
Discover
-
Affirm
-
Cash App Afterpay
-
Amazon Pay
Design your payments page
Create your own payments page using Stripe Elements—our suite of prebuilt embeddable UI components.
Hosted payments page
Accept payments on your website by integrating Stripe Checkout–our prebuilt payment page optimized for conversion.