On This Page

Introduction to PayTo Pay by Bank

Cybersource offers PayTo Pay by Bank, a payment method that enables your e-commerce customers to pay directly from their bank accounts. When using PayTo, your customers do not need to enter their card information. After you integrate PayTo into your checkout experience, your customers select the Pay by Bank
option. This checkout option enables your customers to choose their bank from a list of trusted partner banks to authorize the payment. After payment approval, the funds transfer from your customer's account to your merchant account. This payment method is an account-to-account (A2A) transfer.

Benefits of Using PayTo Pay by Bank

PayTo provides these benefits for e-commerce payments:

Immediately transfers funds from the customer's account to your merchant bank account.

Reduces the amount of customer data you store.

Using a customer's bank authentication network to securely process payments.

Avoids card processing fees.

Supported Country and Currency

PayTo is available in Australia and supports payments using the Australian dollar (AUD).

Supported Services

Sale, refund, and check status services are available with PayTo Pay by Bank. For more information, see these sections:

Process a Sale

Refund a Payment

Check a Status

You can also subscribe to webhook notifications. With webhook subscriptions, Cybersource will automatically notify you when a sale or a refund is completed. See Introduction to Webhooks.

Getting Started with REST

To process payments through Cybersource, set up your payment processing system to be REST compliant. Cybersource uses the REST architecture for developing web services. REST enables communication between a client and server using HTTP protocols.

If you have not set up secure communications between your client and server using either a JSON Web Token or HTTP signature, see the Getting Started with REST Developer Guide
.