A lower-cost way to get invoices paid

Letting customers pay an invoice by card, rather than waiting on a bank transfer, generally speeds up collection. But every card payment carries a merchant fee, which reduces the amount the business actually receives against the invoice total.

For invoices with larger amounts, a per-transaction card fee can be a disproportionately large cost. PayTo allows a customer to authorise payment of an invoice directly from their bank account, giving the business a real-time confirmation without the card acceptance cost.

A shareable payment link attached to an invoice lets a customer pay immediately, from any device, without the business needing to take payment details manually.

For businesses that invoice the same client on a recurring basis, an authorised payment agreement can automate collection without needing to re-request payment details each billing cycle.

Real-time payment confirmation makes it easier to match a payment to the correct invoice automatically, reducing the manual reconciliation work involved in tracking which invoices have been paid.